<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:ns2="http://www.sec.gov/edgar/common">
    <headerData>
        <submissionType>144</submissionType>
        <filerInfo>
            <filer>
                <filerCredentials>
                    <cik>0001973610</cik>
                    <ccc>XXXXXXXX</ccc>
                </filerCredentials>
            </filer>
            <liveTestFlag>LIVE</liveTestFlag>



        </filerInfo>
    </headerData>
    <formData>
        <issuerInfo>
            <issuerCik>0001691493</issuerCik>
            <issuerName>NU HOLDINGS LTD.</issuerName>
            <secFileNumber>001-41129</secFileNumber>
            <issuerAddress>
                <ns2:street1>RUA CAPOTE VALENTE, 39</ns2:street1>
                <ns2:street2>PINHEIROS</ns2:street2>
                <ns2:city>SAO PAULO, SP</ns2:city>
                <ns2:stateOrCountry>D5</ns2:stateOrCountry>
                <ns2:zipCode>05409-000</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>888-888-8888</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>HENRIQUE CAMOSSA SALDANHA FRAGELLI &amp; ROBERTA NARIKAWA</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC Executive Financial Services</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>8th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>221707</noOfUnitsSold>
            <aggregateMarketValue>3505222.00</aggregateMarketValue>
            <noOfUnitsOutstanding>3807884000</noOfUnitsOutstanding>
            <approxSaleDate>08/14/2026</approxSaleDate>
            <securitiesExchangeName>NYSE</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/03/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>19615</amountOfSecuritiesAcquired>
            <paymentDate>04/03/2023</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/01/2026</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>8490</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2026</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/01/2025</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>34808</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2025</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>10/01/2025</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>8489</amountOfSecuritiesAcquired>
            <paymentDate>10/01/2025</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>01/03/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>39615</amountOfSecuritiesAcquired>
            <paymentDate>01/03/2023</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/01/2024</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>1551</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2024</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>07/01/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>3069</amountOfSecuritiesAcquired>
            <paymentDate>07/01/2022</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/01/2024</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>7299</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2024</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>01/02/2026</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>10022</amountOfSecuritiesAcquired>
            <paymentDate>01/02/2026</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/01/2026</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>12355</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2026</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/01/2025</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>6756</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2025</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>07/03/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>39615</amountOfSecuritiesAcquired>
            <paymentDate>07/03/2023</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>01/02/2026</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>8489</amountOfSecuritiesAcquired>
            <paymentDate>01/02/2026</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>10/01/2025</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>10767</amountOfSecuritiesAcquired>
            <paymentDate>10/01/2025</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>04/01/2026</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Vesting Under a Registered Plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>10767</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2026</paymentDate>
            <natureOfPayment>Compensation</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>08/14/2026</noticeDate>
            <planAdoptionDates/>
            <signature>/s/ Henrique Camossa Saldanha Fragelli</signature>
        </noticeSignature>
    </formData>
</edgarSubmission>
