<SEC-DOCUMENT>0000000000-21-011864.txt : 20220107
<SEC-HEADER>0000000000-21-011864.hdr.sgml : 20220107
<ACCEPTANCE-DATETIME>20210930093003
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-21-011864
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20210930

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Nu Holdings Ltd.
		CENTRAL INDEX KEY:			0001691493
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				981302320
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		RUA CAPOTE VALENTE, 39
		STREET 2:		PINHEIROS
		CITY:			SAO PAULO, SP
		STATE:			D5
		ZIP:			05409-000
		BUSINESS PHONE:		888-888-8888

	MAIL ADDRESS:	
		STREET 1:		RUA CAPOTE VALENTE, 39
		STREET 2:		PINHEIROS
		CITY:			SAO PAULO, SP
		STATE:			D5
		ZIP:			05409-000
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<TEXT>
United States securities and exchange commission logo





                              September 30, 2021

       David V  lez Osorno
       Chief Executive Officer
       Nu Holdings Ltd.
       Campbells Corporate Services Limited, Floor 4
       Willow House, Cricket Square, KY1-9010
       Grand Cayman, Cayman Islands

                                                        Re: Nu Holdings Ltd.
                                                            Amendment No. 1 to
Draft Registration Statement on Form F-1
                                                            Submitted September
13, 2021
                                                            CIK No. 0001691493

       Dear Mr. Osorno:

             We have reviewed your amended draft registration statement and
have the following
       comments. In some of our comments, we may ask you to provide us with
information so we
       may better understand your disclosure.

              Please respond to this letter by providing the requested
information and either submitting
       an amended draft registration statement or publicly filing your
registration statement on
       EDGAR. If you do not believe our comments apply to your facts and
circumstances or do not
       believe an amendment is appropriate, please tell us why in your
response.

             After reviewing the information you provide in response to these
comments and your
       amended draft registration statement or filed registration statement, we
may have additional
       comments.

       Amendment No. 1 to Draft Registration Statement on Form F-1

       General

   1.                                                   We note the inclusion
of numerous client endorsements/testimonials following
                                                        page 206 of the
prospectus and partner endorsements following page 212. Please either
                                                        provide us
supplementally with consents from all the third parties cited in the prospectus
                                                        or remove the
endorsements and testimonials.
 David V  lez Osorno
FirstName LastNameDavid   V  lez Osorno
Nu Holdings Ltd.
Comapany 30,
September NameNu
              2021 Holdings Ltd.
September
Page 2    30, 2021 Page 2
FirstName LastName
Prospectus Summary
Overview, page 1

2.       We note your response to our prior comment 3 and reissue in part.
Please clarify here, if
         true, that you believe you are "the largest digital banking platform
in the world, outside of
         Asia" and on pages 13 and 221 that you "have built the largest digital
banking platform in
         the world outside of Asia" in terms of the number of customers on your
platform, and not
         based on revenue, profits, or any other financial indicator. In
addition, please make a
         conforming change on the last page of the "Letter from Our Founders."
Welcome to Nu, page 1

3.       We note your response to prior comment 5. Regarding your organic
growth, please revise
         your disclosure to explain how you determine no direct paid marketing
expenses are
         incurred when new customers are acquired.
Business, page 203

4.       We note that you intend to file various license agreements with
Mastercard International
         as Exhibits 10.5, 10.6 and 10.7, as well as the investment agreement
with Easynvest as
         Exhibit 10.8. Please describe the material terms of these agreements
or advise.
       You may contact Michelle Miller at (202) 551-3368 or Sharon Blume,
Accounting
Branch Chief, at (202) 551-3474 if you have questions regarding comments on the
financial
statements and related matters. Please contact Tonya K. Aldave at (202)
551-3601 or Justin
Dobbie at (202) 551-3469 with any other questions.



                                                                Sincerely,

                                                                Division of
Corporation Finance
                                                                Office of
Finance
cc:      Byron B. Rooney, Esq.
</TEXT>
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