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            <filer>
                <filerCredentials>
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                    <ccc>XXXXXXXX</ccc>
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            <liveTestFlag>LIVE</liveTestFlag>



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            <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>VITOR G OLIVIER</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>E*TRADE FINANCIAL CORPORATION</name>
                <address>
                    <ns2:street1>3 EDISON DRIVE</ns2:street1>
                    <ns2:city>ALPHARETTA</ns2:city>
                    <ns2:stateOrCountry>GA</ns2:stateOrCountry>
                    <ns2:zipCode>30005</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>98876</noOfUnitsSold>
            <aggregateMarketValue>692132.00</aggregateMarketValue>
            <noOfUnitsOutstanding>4714203759</noOfUnitsOutstanding>
            <approxSaleDate>05/25/2023</approxSaleDate>
            <securitiesExchangeName>NYSE</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>01/01/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>ISSUER</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>98876</amountOfSecuritiesAcquired>
            <paymentDate>01/01/2022</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>VITOR G OLIVIER</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>05/24/2023</saleDate>
            <amountOfSecuritiesSold>98875</amountOfSecuritiesSold>
            <grossProceeds>670382.39</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>VITOR G OLIVIER</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>05/23/2023</saleDate>
            <amountOfSecuritiesSold>98877</amountOfSecuritiesSold>
            <grossProceeds>692133.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>VITOR G OLIVIER</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>05/18/2023</saleDate>
            <amountOfSecuritiesSold>98876</amountOfSecuritiesSold>
            <grossProceeds>622913.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>VITOR G OLIVIER</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>05/16/2023</saleDate>
            <amountOfSecuritiesSold>98875</amountOfSecuritiesSold>
            <grossProceeds>611059.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>05/25/2023</noticeDate>
            <planAdoptionDates>
                <planAdoptionDate>02/24/2023</planAdoptionDate>
            </planAdoptionDates>
            <signature>/s/ Vitor Guarino Olivier</signature>
        </noticeSignature>
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144
0001967614
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
VITOR G OLIVIER
Officer
Common
E*TRADE FINANCIAL CORPORATION
3 EDISON DRIVE
ALPHARETTA
GA
30005
98876
692132.00
4714203759
05/25/2023
NYSE
COMMON
01/01/2022
Restricted Stock
ISSUER
N
98876
01/01/2022
Not Applicable
N
VITOR G OLIVIER
Campbells Corporate Services Limited
Floor 4,  Willow House
Grand Cayman
E9
KY1-9010
Common
05/24/2023
98875
670382.39
VITOR G OLIVIER
Campbells Corporate Services Limited
Floor 4,  Willow House
Grand Cayman
E9
KY1-9010
Common
05/23/2023
98877
692133.00
VITOR G OLIVIER
Campbells Corporate Services Limited
Floor 4,  Willow House
Grand Cayman
E9
KY1-9010
Common
05/18/2023
98876
622913.00
VITOR G OLIVIER
Campbells Corporate Services Limited
Floor 4,  Willow House
Grand Cayman
E9
KY1-9010
Common
05/16/2023
98875
611059.00
05/25/2023
02/24/2023
/s/ Vitor Guarino Olivier