SCHEDULE 13G/A 0000950103-24-015145 0001914225 XXXXXXXX LIVE 5 Class A ordinary shares, par value $0.000006666666667 per share 09/30/2025 0001691493 Nu Holdings Ltd. G6683N103 RUA CAPOTE VALENTE, 39 PINHEIROS SAO PAULO, SP D5 05409-000 Rule 13d-1(d) David Velez Osorno a F8 0.00 905579578.00 0.00 905579578.00 905579578.00 N 19.16 IN Rua California Ltd. a E9 0.00 902214879.00 0.00 902214879.00 902214879.00 N 19.10 CO Nu Holdings Ltd. Floor 4, Willow House, Cricket Square, Grand Cayman, KY1-9010, Cayman Islands This Amendment to Schedule 13G (the "Statement") is being filed by (i) David Velez Osorno; and (ii) Rua California Ltd. (each a "Reporting Person" and collectively, the "Reporting Persons"). Each of the Reporting Persons is a shareholder of the Issuer. Each of the Reporting Persons, however, disclaims beneficial ownership with respect to any shares of stock owned by the other Reporting Persons. The Reporting Persons have entered into a Joint Filing Agreement, a copy of which is filed with this Statement as Exhibit A, pursuant to which the Reporting Persons have agreed to file this Statement jointly in accordance with the provisions of Rule 13d-1(k) of the Act. The principal office and business address of each of the Reporting Persons is Floor 4, Willow House, Cricket Square, Grand Cayman, KY1-9010, Cayman Islands. See row 4 of the cover pages to this Statement. Y See row 9 of the cover sheet of each Reporting Person. With respect to David Velez Osorno, the number of shares in row 9 consists of (i) 1,500,000 Class B ordinary shares held of record by Mariel Lorena Reyes Milk, the wife of David Velez Osorno, who has voting rights over such shares; and (ii) 2,455,080 Class A ordinary shares and 901,624,498 Class B ordinary shares held of record by Rua California Ltd., a company controlled by David Velez Osorno, who holds 100% of the shares in Rua California Ltd. With respect to Rua California Ltd., the number of shares in row 9 consists of 590,381 Class A ordinary shares and 901,624,498 Class B ordinary shares held of record by Rua California Ltd. Each Class B ordinary share is convertible into one Class A ordinary share at the option of its holder at any time. The information set forth in Item 2 above is incorporated by reference for each Reporting Person. See row 11 of the cover sheet of each Reporting Person. The percentage of class in row 11 of the cover sheet of each Reporting Person represents the quotient obtained by dividing (a) the aggregate number of Class A ordinary shares and Class B ordinary shares beneficially owned by such Reporting Person as set forth in row 9 of the cover sheet of each Reporting Person by (b) the sum of (i) 3,822,975,011 Class A ordinary shares outstanding as of September 30, 2025, as reported by the Issuer to the Reporting Persons, and (ii) the aggregate number of Class B ordinary shares beneficially owned by such Reporting Person. The aggregate number of Class B ordinary shares beneficially owned by the Reporting Person as set forth in clauses "(a)" and "(b)" above are treated as converted into Class A ordinary shares only for the purpose of computing the percentage ownership of the Reporting Person. All ownership percentages assume that there are 3,822,975,011 Class A ordinary shares outstanding. Each Class A ordinary share is entitled to one vote, and each Class B ordinary share is entitled to 20 votes. The percentage reported does not reflect the 20 for one voting power of the Class B ordinary shares because the Class B ordinary shares are treated as converted into Class A ordinary shares for the purpose of this report. See row 5 of the cover sheet of each Reporting Person. See row 6 of the cover sheet of each Reporting Person. With respect to David Velez Osorno, the number of shares in row 6 consists of (i) 1,500,000 Class B ordinary shares held of record by Mariel Lorena Reyes Milk, the wife of David Velez Osorno, who has voting rights over such shares; and (ii) 2,455,080 Class A ordinary shares and 901,624,498 Class B ordinary shares held of record by Rua California Ltd., a company controlled by David Velez Osorno, who holds 100% of the shares in Rua California Ltd. With respect to Rua California Ltd., the number of shares in row 6 consists of 590,381 Class A ordinary shares and 901,624,498 Class B ordinary shares held of record by Rua California Ltd. See row 7 of the cover sheet of each Reporting Person. See row 8 of the cover sheet of each Reporting Person. With respect to David Velez Osorno, the number of shares in row 8 consists of (i) 1,500,000 Class B ordinary shares held of record by Mariel Lorena Reyes Milk, the wife of David Velez Osorno, who has voting rights over such shares; and (ii) 2,455,080 Class A ordinary shares and 901,624,498 Class B ordinary shares held of record by Rua California Ltd., a company controlled by David Velez Osorno, who holds 100% of the shares in Rua California Ltd. With respect to Rua California Ltd., the number of shares in row 8 consists of 590,381 Class A ordinary shares and 901,624,498 Class B ordinary shares held of record by Rua California Ltd. Y Y Y N The information set forth in Item 2 above is incorporated herein by reference. Y Y Exhibit A - JOINT FILING AGREEMENT David Velez Osorno /s/ David Velez Osorno 10/17/2025 Rua California Ltd. /s/ David Velez Osorno 10/17/2025