- Fold, Inc., a wholly owned subsidiary of Fold Holdings, Inc., entered into a **Master Loan Agreement** with Two Prime Lending Limited on **October 1, 2025**, establishing a **revolving credit facility**.  **[1889123_0001193125-25-226833_fld-ex10_1.htm:0]** **[1889123_0001193125-25-226833_fld-20251001.htm:1]** 
- The facility provides for loans in an aggregate principal amount of up to **$45,000,000**.  **[1889123_0001193125-25-226833_fld-20251001.htm:1]** 
- Any amounts borrowed under this facility will bear interest at a rate of **6.5% per annum**.  **[1889123_0001193125-25-226833_fld-20251001.htm:1]** 
- The facility is secured by a portion of the Borrower's **bitcoin collateral**, with an **initial collateral level of 250%** for the first advance and a **collateral call level of 175%**.  **[1889123_0001193125-25-226833_fld-20251001.htm:1]** **[1889123_0001193125-25-226833_fld-20251001.htm:2]** 
- The company expects to use the borrowed amounts for **working capital and general corporate purposes**, providing non-dilutive capital to support growth.  **[1889123_0001193125-25-226833_fld-20251001.htm:1]**

Fold Holdings (FLD)