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                <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, Cricket Square</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>HENRIQUE CAMOSSA SALDANHA FRAGELLI &amp; ROBERTA NARIKAWA</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Class A Ordinary</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>10767</noOfUnitsSold>
            <aggregateMarketValue>123820.50</aggregateMarketValue>
            <noOfUnitsOutstanding>3768057942</noOfUnitsOutstanding>
            <approxSaleDate>02/26/2025</approxSaleDate>
            <securitiesExchangeName>NYSE</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>Class A Ordinary</securitiesClassTitle>
            <acquiredDate>10/01/2024</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted stock vesting under a registered plan</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>10767</amountOfSecuritiesAcquired>
            <paymentDate>10/01/2024</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>02/26/2025</noticeDate>
            <planAdoptionDates/>
            <signature>/s/ Henrique Camossa Saldanha Fragelli</signature>
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144
0001973610
XXXXXXXX
LIVE
0001691493
NU HOLDINGS LTD.
001-41129
Campbells Corporate Services Limited
Floor 4,  Willow House, Cricket Square
Grand Cayman
E9
KY1-9010
1 345 949 2648
HENRIQUE CAMOSSA SALDANHA FRAGELLI & ROBERTA NARIKAWA
Officer
Class A Ordinary
Morgan Stanley Smith Barney LLC Executive Financial Services
1 New York Plaza
8th Floor
New York
NY
10004
10767
123820.50
3768057942
02/26/2025
NYSE
Class A Ordinary
10/01/2024
Restricted stock vesting under a registered plan
Issuer
N
10767
10/01/2024
Not Applicable
Y
02/26/2025
/s/ Henrique Camossa Saldanha Fragelli