Nu Holdings Ltd. reported an insider ownership change by Henrique Camossa Saldanha Fragelli involving the company’s Class A ordinary shares. The Form 4, filed July 27, 2026, covers a transaction dated July 23, 2026, and lists 13,496 Class A shares at a price of $13.39 per share. The filing text provided does not specify the transaction code, so it is not possible from the excerpt alone to determine whether the 13,496-share transaction was a purchase, sale, award, withholding, or another type of reportable insider transaction. Form 4 filings normally identify that through a transaction code, but no code is included in the supplied document text. The filing also notes that the ownership figure includes 949,340 Class A ordinary shares underlying unvested restricted share units, or RSUs, from prior grants. Each RSU represents a contingent right to receive one Class A ordinary share of Nu Holdings, subject to Fragelli’s continued service through the applicable vesting dates. This means a substantial portion of the reported beneficial ownership is tied to equity compensation that has not yet vested. An explanatory note states that the reporting person disclaims beneficial ownership of certain securities except to the extent of his pecuniary interest in them, a standard disclosure often used when shares may be held indirectly or where beneficial ownership is being reported for securities in which the insider does not claim full economic ownership. The form was signed on Fragelli’s behalf by Beatriz Outeiro, attorney-in-fact, on July 27, 2026.