Table of Contents Title of each classTrading Symbol(s)Name of each exchange on which registered Units, each consisting of one Class A ordinary share, $0.0001 par value, and one-half of one redeemable warrant VIHAU The Nasdaq Stock Market LLC Class A ordinary shares, par value $0.0001 par value VIH The Nasdaq Stock Market LLC Redeemable warrants, each warrant exercisable for one Class A ordinary share, each at an exercise price of $11.50 per share VIHAW The Nasdaq Stock Market LLC Table of Contents UNITED ST ...

Table of Contents Title of each classTrading Symbol(s)Name of each exchange on which registered Units, each consisting of one Class A ordinary share, $0.0001 par value, and one-half of one redeemable warrant VIHAU The Nasdaq Stock Market LLC Class A ordinary shares, par value $0.0001 par value VIH The Nasdaq Stock Market LLC Redeemable warrants, each warrant exercisable for one Class A ordinary share, each at an exercise price of $11.50 per share VIHAW The Nasdaq Stock Market LLC UNITED STATES SECURITIES AN ...

Financial Performance - The company reported a net loss of $1,002,669 for the period from July 31, 2020, to December 31, 2020, primarily due to formation and operating expenses of $1,006,862, offset by interest income of $4,193[259]. - The company incurred transaction costs of $11,501,146 related to the Initial Public Offering, including $4,000,000 in underwriting fees[262]. - The company expects to incur significant costs in pursuing its acquisition plans and cannot assure the success of its Business Combination[251]. Capital Raising - The company raised gross proceeds of $200,000,000 from its Initial Public Offering at a price of $10.00 per Unit, along with an additional $6,000,000 from the sale of Private Placement Warrants[261]. Investments and Trust Account - As of December 31, 2020, the company had investments held in the Trust Account totaling $207,376,213, which will be used to complete its Business Combination[265]. - The company intends to use substantially all funds in the Trust Account for its Business Combination and may withdraw interest to pay taxes[265]. Merger and Acquisition Plans - The company has entered into a Merger Agreement with Bakkt, which includes an aggregate consideration of 208,200,000 Bakkt Opco Units and 208,200,000 shares of class V common stock[252]. - The company plans to use cash held outside the Trust Account, amounting to $1,177,678, primarily for identifying and evaluating target businesses[267]. Financial Obligations - The company has no long-term debt obligations or off-balance sheet financing arrangements as of December 31, 2020[270]. - The company has a monthly obligation of $10,000 to its Sponsor for office space and administrative services, which began on September 25, 2020[271]. Regulatory Classification - The company is classified as a smaller reporting company under Rule 12b-2 of the Exchange Act and is not required to provide the information typically required under this item[282].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39544 VPC Impact Acquisition Holdings (Exact Name of Registrant as Specified in Its Charter) Cayman Islands 98-1550750 (State ...