Jonathan Kirkwood - 31 Dec 2025 Form 5 Insider Report for Fold Holdings, Inc. (FLD)

Reporting relationship: Director, 10%+ Owner
Issuer ticker: FLD
Reported as of: 31 Dec 2025
Net transaction value: $0
SEC form: 5
Accepted by SEC: 18 Feb 2026, 17:00:05 UTC
Prior SEC filing: 30 Sep 2025
Next SEC filing: 02 Mar 2026
Source filing: View source filing
Reporting owner signature: /s/ Audrey Bartosh, Attorney-in-Fact

Key filing fact

Jonathan Kirkwood filed Form 5 for Fold Holdings, Inc. (FLD) on 18 Feb 2026.

Key facts

This page summarizes Jonathan Kirkwood's Form 5 filing for Fold Holdings, Inc. (FLD).
4 reported transactions and 2 derivative rows are listed below.
Accepted by SEC: 18 Feb 2026, 17:00.

Change

Previous filing in this sequence was filed on 30 Sep 2025.
Current net transaction value: $0.

Research use

This tells you what this filing adds before you inspect full transaction and derivative tables.
You can trace every row back to the original SEC filing document.

Evidence

Official SEC source

Ownership activity is grounded in SEC Form 5 disclosures.

View source filing

Reporting Owners (1)

CIK 0002057403 Primary reporting owner

Kirkwood Jonathan

Relationship: Director, 10%+ Owner
Address: C/O FOLD HOLDINGS, INC.,, 2942 NORTH 24TH ST, SUITE 115, #42035, PHOENIX
Signature: /s/ Audrey Bartosh, Attorney-in-Fact
Signature date: 18 Feb 2026

Reported non-derivative transactions

Shares, units, or other non-derivative securities reported in this filing.

FLD transaction

Common Stock

Award

Transaction value
Shares: +30,000
Change %
Price
Shares after: 30,000
Date: 06 Mar 2025
Ownership: Through SATS Credit Fund LP
Footnotes: F1

FLD transaction

Common Stock

Other

Transaction value: $0
Shares: +144,311
Change %: +128%
Price: $0.000000
Shares after: 256,811
Date: 19 Dec 2026
Ownership: Direct
Footnotes: F2

Reported derivative securities

Options, warrants, convertible securities, or similar derivative positions disclosed in the filing.

FLD transaction Derivative

Warrant to purchase shares of Common Stock

Award

Transaction value
Shares: +37,024
Change %
Price
Shares after: 37,024
Date: 06 Mar 2025
Ownership: Through SATS Credit Fund LP
Underlying class: Common Stock
Underlying amount: 37,024
Exercise price: $15.00
Footnotes: F1

FLD transaction Derivative

7.0% Convertible Note

Award

Transaction value
Shares: +148,000
Change %
Price
Shares after: 148,000
Date: 06 Mar 2025
Ownership: Through SATS Credit Fund
Underlying class: Common Stock
Underlying amount: 148,000
Exercise price: $12.50
Footnotes: F1

^* marks a reported price that did not pass the local price check.

Additional SEC filing notes

Filing notes and footnotes

Explanation of responses 2 footnotes

Footnote F1

SATS Credit Fund LP entered into a transaction with the Issuer on March 6, 2025 pursuant to which it purchased a convertible note (convertible into approximately 3.7 million shares of Common Stock pursuant to the terms therein, the "Convertible Note"), 750,000 shares of Common Stock of the Issuer, and a warrant to purchase 925,590 shares of Common Stock. Starting April 1, 2026, interest on the Convertible Note shall be paid in shares of Common Stock (valued at a price per share of $12.50) with an expected total of 1.1 million of such interest shares payable. For additional information regarding the transaction, see the Form 8-K filed by the Issuer with the SEC on March 12, 2025.

Footnote F2

The Reporting Person previously held these shares indirectly through Ten31 Join the Fold LLC (the "LLC"). On December 19, 2025, the LLC distributed the shares in a pro rata distribution, for no consideration.

SEC remarks

Exhibit 24 - Power of Attorney