Insider Dickman Files Form 4 for Fold Holdings

TL;DR

**Insider Dickman filed a Form 4 for Fold Holdings, signaling potential ownership changes.**

AI Summary

This Form 4 filing, dated March 23, 2026, indicates that Thomas J. Dickman, a reporting insider, has filed a statement of changes in beneficial ownership of securities for Fold Holdings, Inc. (CIK: 0001889123). While the filing itself doesn't detail specific transactions, it signals that an insider's holdings may have changed as of the report period, March 19, 2026. This matters to investors because insider activity can sometimes signal management's confidence (or lack thereof) in the company's future prospects, potentially influencing stock price.

Why It Matters

This filing signals potential changes in insider ownership at Fold Holdings, Inc., which can be an important indicator for investors regarding the company's internal outlook.

Risk Assessment

Risk Level: low — This filing is purely informational and does not inherently pose a direct risk, but rather provides data for investor analysis.

Analyst Insight

A smart investor would monitor subsequent filings or news from Fold Holdings, Inc. to understand the specific transactions (buys or sells) that prompted this Form 4, as insider activity can provide clues about future company performance.

Key Players & Entities

• Dickman Thomas J (person) — Reporting insider
• Fold Holdings, Inc. (company) — Issuer of securities
• 0001889123 (company) — CIK for Fold Holdings, Inc.
• 0002057497 (person) — CIK for Dickman Thomas J
• 2026-03-23 (date) — Filing Date
• 2026-03-19 (date) — Period of Report

FAQ

Filing Documents

• ownership.html (4)
• ownership.xml (4) — 8KB
• 0001193125-26-120341.txt ( ) — 10KB

From the Filing

SEC FORM 4 SEC Form 4 FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940 OMB APPROVAL OMB Number: 3235-0287 Estimated average burden hours per response: 0.5    Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).    Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10. 1. Name and Address of Reporting Person * Dickman Thomas J (Last) (First) (Middle) 2942 NORTH 24TH ST, SUITE 115, #42035 (Street) PHOENIX ARIZONA 85016 (City) (State) (Zip) UNITED STATES (Country) 2. Issuer Name and Ticker or Trading Symbol Fold Holdings, Inc. [ FLD ] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) Director 10% Owner X Officer (give title below) Other (specify below) Chief Technology Officer 2a. Foreign Trading Symbol 3. Date of Earliest Transaction (Month/Day/Year) 03/19/2026 6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person 4. If Amendment, Date of Original Filed (Month/Day/Year) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 03/19/2026 M 179 A (1) 332,369 D Common Stock 03/20/2026 S (2) 47 D $ 1.246 332,322 D Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares Restricted Stock Units (3) 03/19/2026 M 179 (4) (4) Common Stock 179 (5) 357 D Explanation of Responses: 1. Restricted stock units convert into common stock on a one-for-one basis. 2. The sale reported on this Form 4 represents shares sold by Mr. Dickman 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. Dickman. 3. Not applicable. 4. The restricted stock units vest as to one-fourth of the underlying shares beginning on May 19, 2023 and thereafter in 48 equal monthly installments, subject to Mr. Dickman's continued service through the applicable vesting date and a liquidity event vesting condition.The liquidity event vesting condition was deemed met upon the Merger (as described in Footnote 5). 5. 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). Remarks: Exhibit 24 - Power of Attorney (incorporated by reference to Exhibit 24 to that Form 4 filed by the Reporting Person on February 20, 2026) /s/ Audrey Bartosh, Attorney-in-Fact 03/23/2026 ** Signature of Reporting Person Date Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. *

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