Wolfe Repass - 26 Feb 2026 Form 4 Insider Report for Fold Holdings, Inc. (FLD)

Role: Chief Financial Officer
Signature: /s/ Audrey Bartosh, Attorney-in-Fact
Issuer symbol: FLD
Transactions as of: 26 Feb 2026
Net transactions value: -$33,579
Form type: 4
Filing time: 02 Mar 2026, 21:30:03 UTC
Previous filing: 26 Feb 2026
Next filing: 03 Mar 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Repass Wolfe	Chief Financial Officer	2942 NORTH 24TH ST, SUITE 115, #42035, PHOENIX	/s/ Audrey Bartosh, Attorney-in-Fact	02 Mar 2026	0002057456

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	FLD	Common Stock	Sale	$20,007	-13,675	-6.5%	$1.46	196,946	26 Feb 2026	Direct	F1
transaction	FLD	Common Stock	Options Exercise		+30,785	+16%		227,731	26 Feb 2026	Direct	F2
transaction	FLD	Common Stock	Sale	$13,573	-9,177	-4%	$1.48	218,554	27 Feb 2026	Direct	F1
transaction	FLD	Common Stock	Options Exercise		+30,785	+14%		249,339	27 Feb 2026	Direct	F2
transaction	FLD	Common Stock	Options Exercise		+2,639	+1.1%		251,978	27 Feb 2026	Direct	F2
transaction	FLD	Common Stock	Options Exercise		+17	+0.01%		251,995	27 Feb 2026	Direct	F2
transaction	FLD	Common Stock	Options Exercise		+1,540	+0.61%		253,535	27 Feb 2026	Direct	F2

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	FLD	Restricted Stock Units	Options Exercise		-30,785	-32%		65,089	26 Feb 2026	Common Stock	30,785		Direct	F3, F4, F5
transaction	FLD	Restricted Stock Units	Options Exercise		-30,785	-47%		34,304	27 Feb 2026	Common Stock	30,785		Direct	F3, F4, F6
transaction	FLD	Restricted Stock Units	Options Exercise		-2,639	-7.7%		31,665	27 Feb 2026	Common Stock	2,639		Direct	F3, F4, F7
transaction	FLD	Restricted Stock Units	Options Exercise		-17	-5.2%		310	27 Feb 2026	Common Stock	17		Direct	F3, F4, F8
transaction	FLD	Restricted Stock Units	Options Exercise		-1,540	-3.6%		41,574	27 Feb 2026	Common Stock	1,540		Direct	F3, F4, F9

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	The sale reported on this Form 4 represents shares sold by Mr. Repass to cover tax withholding obligations in connection with the vesting and settlement of restricted stock units. The sale is mandated by the Issuer's election to require the satisfaction of tax withholding obligations to be funded by a "sell to cover" transaction and does not represent a discretionary transaction by Mr. Repass.
F2	Restricted stock units convert into common stock on a one-for-one basis.
F3	Not applicable.
F4	Represents securities received as part of the Issuer's business combination, in connection with that certain Agreement and Plan of Merger, dated as of July 24, 2024 (the "Merger Agreement"), by and among the Issuer (formerly FTAC Emerald Acquisition Corp.), FTAC EMLD Merger Sub Inc. and Fold, Inc. ("Legacy Fold"), pursuant to which each outstanding Legacy Fold RSU Award was automatically converted into an award of restricted stock units covering a number of shares of the Issuer's Common Stock based on the exchange ratio described in the Issuer's Registration Statement on Form S-4, as amended (Reg. No. 333-282520).
F5	The restricted stock units vest as to one-fourth of the underlying shares beginning on March 1, 2024 and thereafter in 48 equal monthly installments, subject to Mr. Repass' continued service through the applicable vesting date and a liquidity event vesting condition. The liquidity event vesting condition was satisfied upon the merger described in Footnote 4. Due to restrictions imposed by the Company's equity plan administrator, the vested units reported here were not settled until February 26, 2026.
F6	The restricted stock units vest as to one-fourth of the underlying shares beginning on March 1, 2024 and thereafter in 48 equal monthly installments, subject to Mr. Repass' continued service through the applicable vesting date and a liquidity event vesting condition. The liquidity event vesting condition was satisfied upon the merger described in Footnote 4. Due to restrictions imposed by the Company's equity plan administrator, the vested units reported here were not settled until February 27, 2026.
F7	The restricted stock units vest as to one-fourth of the underlying shares beginning on March 1, 2024 and thereafter in 48 equal monthly installments, subject to Mr. Repass' continued service through the applicable vesting date and a liquidity event vesting condition. The liquidity event vesting condition was satisfied upon the merger described in Footnote 4.
F8	The restricted stock units vest as to one-fourth of the underlying shares beginning on September 1, 2024 and thereafter in 48 equal monthly installments, subject to Mr. Repass' continued service through the applicable vesting date and a liquidity event vesting condition. The liquidity event vesting condition was deemed met upon the Merger.
F9	The restricted stock units vest as to one-fourth of the underlying shares beginning on June 1, 2025 and thereafter in 48 equal monthly installments, subject to Mr. Repass' continued service through the applicable vesting date and a liquidity event vesting condition.The liquidity event vesting condition was deemed met upon the Merger.

Remarks:

Exhibit 24 - Power of Attorney (incorporated by reference to the Power of Attorney filed as Exhibit 24 to the Form 4 filed by Mr. Repass on February 20, 2026).