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EXCHANGE COMMISSION**\n\n**Washington,\nD.C. 20549**\n\n \n\n**FORM\n10-Q**\n\n \n\n☒\n**QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**For\nthe quarterly period ended March 31, 2026**\n\n** **\n\n**OR**\n\n \n\n☐\n**TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**For\nthe transition period from _________to _________**\n\n \n\n**Commission\nFile Number 001-40524**\n\n \n\n**SHF\nHoldings, Inc.**\n\n(Exact\nname of registrant as specified in Its charter)\n\n \n\n**Delaware**\n \n**86-2409612**\n\n(State\nor other jurisdiction\n\nof\nincorporation or organization)\n\n \n\n(I.R.S.\nEmployer\n\nIdentification\nNumber)\n\n \n \n \n\n**1526\nCole Blvd., Suite 250**\n\n**Golden,\nColorado**\n\n \n**80401**\n\n(Address\nof principal executive offices)\n \n(Zip\nCode)\n\n \n\nRegistrant’s\ntelephone number, including area code: **(303) 431-3435**\n\n \n\n(Former\nname or former address, if changed since last report)\n\n \n\nSecurities\nregistered pursuant to Section 12(b) of the Act:\n\n \n\n**Title\nof each class**\n \n**Trading\nSymbol(s)**\n \n**Name\nof each exchange on which registered**\n\nClass\nA Common Stock, $0.0001 par value per share\n \nSHFS\n \nThe\nNasdaq Stock Market LLC\n\nRedeemable\nWarrants, each whole warrant exercisable for one share of Class A Common Stock at an exercise price of $230 per share\n \nSHFSW\n \nThe\nNasdaq Stock Market LLC\n\n \n\nIndicate\nby check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange\nAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)\nhas been subject to such filing requirements for the past 90 days. Yes ☒ No ☐\n\n \n\nIndicate\nby check mark whether the registrant has submitted electronically, if any, every Interactive Data File required to be submitted pursuant\nto Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant\nwas required to submit and post such files). Yes ☒ No ☐\n\n \n\nIndicate\nby check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting\ncompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,”\n“smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n \n\nLarge\naccelerated filer\n☐\nAccelerated\nfiler\n☐\n\nNon-accelerated\nfiler\n☒\nSmaller\nreporting company\n☒\n\n \n \nEmerging\ngrowth company\n☒\n\n \n\nIf\nan emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying\nwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\nIndicate\nby check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒\n\n \n\nAs of May 14, 2026, there were 6,455,796 shares of the Company’s\nClass A Common Stock, par value $0.0001 per share, outstanding.\n\n \n\n \n\n \n\n \n\n \n\n \n\n**SHF\nHOLDINGS, INC.**\n\n \n\n**TABLE\nOF CONTENTS**\n\n \n\n \n \n**Page**\n\n[**PART I – FINANCIAL INFORMATION:**](#ds_001)\nF-1"}