<?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>0001967551</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>Campbells Corporate Services Limited</ns2:street1>
                <ns2:street2>Floor 4,  Willow House</ns2:street2>
                <ns2:city>Grand Cayman</ns2:city>
                <ns2:stateOrCountry>E9</ns2:stateOrCountry>
                <ns2:zipCode>KY1-9010</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>1 345 949 2648</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>JAG S DUGGAL</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>38th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>95000</noOfUnitsSold>
            <aggregateMarketValue>717250.00</aggregateMarketValue>
            <noOfUnitsOutstanding>4742615887</noOfUnitsOutstanding>
            <approxSaleDate>10/10/2023</approxSaleDate>
            <securitiesExchangeName>NYSE</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>04/01/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>ISSUER</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>15926</amountOfSecuritiesAcquired>
            <paymentDate>04/01/2023</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>07/01/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>ISSUER</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>26388</amountOfSecuritiesAcquired>
            <paymentDate>07/01/2022</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>01/01/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>ISSUER</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>27115</amountOfSecuritiesAcquired>
            <paymentDate>01/01/2023</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>10/01/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>ISSUER</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>25571</amountOfSecuritiesAcquired>
            <paymentDate>10/01/2022</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>JAG S DUGGAL</name>
                <address>
                    <ns2:street1>Campbells Corporate Services Limited</ns2:street1>
                    <ns2:street2>Floor 4,  Willow House</ns2:street2>
                    <ns2:city>Grand Cayman</ns2:city>
                    <ns2:stateOrCountry>E9</ns2:stateOrCountry>
                    <ns2:zipCode>KY1-9010</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>09/01/2023</saleDate>
            <amountOfSecuritiesSold>95000</amountOfSecuritiesSold>
            <grossProceeds>684000.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>10/10/2023</noticeDate>
            <planAdoptionDates>
                <planAdoptionDate>06/02/2023</planAdoptionDate>
            </planAdoptionDates>
            <signature>/s/ Jagpreet Singh Duggal</signature>
        </noticeSignature>
    </formData>
</edgarSubmission>
[{"type": "144", "sequence": "1", "filename": "primary_doc.xml", "secsgml_size_bytes": 5952}]
144
0001967551
XXXXXXXX
LIVE
0001691493
NU HOLDINGS LTD.
001-41129
Campbells Corporate Services Limited
Floor 4,  Willow House
Grand Cayman
E9
KY1-9010
1 345 949 2648
JAG S DUGGAL
Officer
Common
Morgan Stanley Smith Barney LLC Executive Financial Services
1 New York Plaza
38th Floor
New York
NY
10004
95000
717250.00
4742615887
10/10/2023
NYSE
COMMON
04/01/2023
Restricted Stock
ISSUER
N
15926
04/01/2023
Not Applicable
COMMON
07/01/2022
Restricted Stock
ISSUER
N
26388
07/01/2022
Not Applicable
COMMON
01/01/2023
Restricted Stock
ISSUER
N
27115
01/01/2023
Not Applicable
COMMON
10/01/2022
Restricted Stock
ISSUER
N
25571
10/01/2022
Not Applicable
N
JAG S DUGGAL
Campbells Corporate Services Limited
Floor 4,  Willow House
Grand Cayman
E9
KY1-9010
Common
09/01/2023
95000
684000.00
10/10/2023
06/02/2023
/s/ Jagpreet Singh Duggal