William Brian Poppic Reeves - 27 Feb 2026 Form 4 Insider Report for Fold Holdings, Inc. (FLD)

Role
Chief Executive Officer, 10%+ Owner
Signature
/s/ Audrey Bartosh, Attorney-in-Fact
Issuer symbol
FLD
Transactions as of
27 Feb 2026
Net transactions value
-$7,821
Form type
4
Filing time
03 Mar 2026, 21:30:05 UTC
Previous filing
20 Feb 2026
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Reeves William Brian Poppic Chief Executive Officer, 10%+ Owner 2942 NORTH 24TH ST, SUITE 115, #42035, PHOENIX /s/ Audrey Bartosh, Attorney-in-Fact 03 Mar 2026 0002057455

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction FLD Common Stock Options Exercise +1,074 +0.02% 4,710,973 27 Feb 2026 Direct F1
transaction FLD Common Stock Options Exercise +11,548 +0.25% 4,722,521 27 Feb 2026 Direct F1
transaction FLD Common Stock Sale $7,821 -5,496 -0.12% $1.42 4,717,025 02 Mar 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 -1,074 -12% 7,523 27 Feb 2026 Common Stock 1,074 Direct F3, F4, F5
transaction FLD Restricted Stock Units Options Exercise -11,548 -10% 103,935 27 Feb 2026 Common Stock 11,548 Direct F3, F4, F6
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 Restricted stock units convert into common stock on a one-for-one basis.
F2 The sale reported on this Form 4 represents shares sold by Mr. Reeves 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. Reeves.
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 October 1, 2023 and thereafter in 48 equal monthly installments, subject to Mr. Reeves' continued service through the applicable vesting date and a liquidity event vesting condition. The liquidity event vesting condition was deemed met upon the merger of Legacy Fold, Issuer and FTAC EMLD Merger Sub Inc. on February 14, 2025 (the "Merger").
F6 The restricted stock units vest as to one-fourth of the underlying shares beginning on December 1, 2023 and thereafter in 48 equal monthly installments, subject to Mr. Reeves' 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 Exhibti 24 to the Reporting Person's Form 4 filed on February 20, 2026).