X0202 SCHEDULE 13D/A 0002070908 XXXXXXXX LIVE 2 Ordinary shares, par value GBP 0.002 per share 08/27/2026 false 0002027360 G71115102 RedCloud Holdings plc

50 LIVERPOOL STREET London X0 EC2M 7PY

Senn Nikolaus Beat 44 (0) 207 754 3735 50 Liverpool Street, London X0 EC2M 7PY 0002070908 N Senn Nikolaus Beat PF N V8 10286524.00 0.00 10286524.00 0.00 10286524.00 N 13.52 IN (1) Of the 10,286,524 ordinary shares reported as beneficially owned with sole voting and dispositive power, 135,000 ordinary shares reported are issuable upon exercise of options for the purchase of ordinary shares, which are exercisable within 60 days of August 31, 2026. This number does not include 800,000 ordinary shares that are issuable upon exercise of warrants, which are not currently exercisable due to certain beneficial ownership limitations. (2) Row 13 is calculated based on 76,066,080 ordinary shares, which includes (i) 75,931,080 ordinary shares outstanding as of August 31, 2026 and (ii) 135,000 ordinary shares issuable upon exercise of options for the purchase of ordinary shares, which are exercisable within 60 days of August 31, 2026. Ordinary shares, par value GBP 0.002 per share RedCloud Holdings plc 50 LIVERPOOL STREET London X0 EC2M 7PY EXPLANATORY NOTE: This Amendment No. 2 to Schedule 13D (this "Amendment No. 2") is filed to amend the Schedule 13D filed by the Reporting Person with the U.S. Securities and Exchange Commission on June 26, 2025 (the "Initial Schedule 13D," together with Amendment No. 1, the "Schedule 13D"). This Amendment No. 2 supplements and amends the Schedule 13D as specifically set forth herein. Except as amended and supplemented by this Amendment No. 2, the Schedule 13D remains unchanged. This statement is being filed by Nikolaus Senn (the "Reporting Person"). The Reporting Person is a shareholder and member of the Board of Directors (the "Board") of the Issuer. The address of the principal office of the Reporting Person is 50 Liverpool Street, London, EC2M 7PY, United Kingdom. The principal business of the Reporting Person is serving as a member of the Board. The Reporting Person has not, during the last five years, been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors). The Reporting Person has not during the last five years, been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction, and as a result of such proceeding was or is subject to any judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws. The Reporting Person is a citizen of Switzerland. Item 3 of the Schedule 13D is hereby amended and supplemented with the following: Funds in an aggregate amount of $625,000 have been used by the Reporting Person to purchase 2,500,000 ordinary shares in the Issuer's private placement offering, which was consummated on August 27, 2026, and the source of funding for this transaction was derived from the personal funds of the Reporting Person. Reporting Person has no current plans, other than as a member of the Board, relating to (a) through (j) of Item 4. The Reporting Person may, at any time and from time to time, review or reconsider her position and/or change her purpose. See row 7 through 13 of the cover pages to this Schedule 13D See row 7 through 13 of the cover pages to this Schedule 13D The Reporting Person was issued 423,532 warrants to purchase up to 423,532 ordinary shares by the Issuer on May 16, 2026 in connection with the receipt of shareholder approval by the Issuer to issue the deferred warrants from the July 2025 private placement transaction to the Reporting Person. No person is known to the Reporting Person to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, any securities covered by this Schedule 13D. Not Applicable. Please see section "Major Shareholders and Related Party Transactions" of the Annual Report on Form 20-F which was filed with the Securities and Exchange Commission on May 16, 2025. Except as described herein, the Reporting Person has no contracts, arrangements, understandings, or relationships with respect to the securities of the Issuer. N/A. Senn Nikolaus Beat /s/ Senn Nikolaus Beat 09/02/2026