{"filings":[{"id":695518,"accession_number":"0001193125-26-241857","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-05-27T20:05:16+00:00","items":["7.01"],"status":"ready","headline":"Fold Holdings retracts press release announcing credit facility for credit card program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Press release issued May 27, 2026 claiming a credit facility for its credit card program has been retracted.","Company clarifies as of May 27, 2026 it has NOT entered into any such credit facility.","Company cannot guarantee it will enter into a credit facility for the credit card program at all.","No counterparty, amount, or terms were disclosed; prior announcement was erroneous."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":555329,"accession_number":"0001193125-26-232684","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-05-20T20:30:15+00:00","items":["5.07"],"status":"ready","headline":"Fold Holdings stockholders elect two Class I directors; ratify auditor at 2026 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Bracebridge H. Young, Jr. elected with 24,556,161 For votes; Andrew Hohns with 24,699,618 For.","Ratification of CBIZ CPAs P.C. as independent auditor for FY 2026 passed with 31,065,214 For votes.","Broker non-votes of 7,633,676 on director elections; no other proposals presented.","Meeting held May 19, 2026; both director terms expire at 2029 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":40254,"accession_number":"0001193125-26-219369","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-05-12T20:05:20+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Fold Q1 revenue $5.6M, down 21% YoY; net loss $29.2M; credit card at 1,000 units","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $5.6M (-21.1% YoY); transaction volume $172M (-32% YoY); net loss $29.2M.","Adjusted EBITDA loss $5.8M; loss per share $0.59; Bitcoin treasury 826 BTC.","Verified accounts ~85,000 (+2,000); Fold Bitcoin Credit Cards >1,000 in circulation.","Restructuring gift card fees to reduce friction and expand distribution; Kroger partnership continues.","CEO cites lower Bitcoin prices pressuring results; but sees long-term value."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":5592309.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110570,"accession_number":"0001193125-26-119092","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-03-23T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Fold Holdings begins customer rollout of Bitcoin Rewards Credit Card","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Rollout of Fold Bitcoin Rewards Credit Card to top waitlist customers commenced March 2026.","Previous rollout was limited to internal team members for underwriting and credit lines.","No assurances that further rollouts will occur as anticipated or at all."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110569,"accession_number":"0001193125-26-110668","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-03-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Fold reports FY2025 revenue $31.8M (+34% YoY), launches Bitcoin credit card; loss per share $1.65","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2025 revenue $31.8M (+34% YoY); GAAP operating loss $27.7M; adjusted EBITDA loss $17.2M; loss per share $1.65.","Q4 2025 revenue $9.1M (+8% YoY); transaction volume $215M (-3% YoY); verified accounts ~84,000.","Bitcoin treasury fell from 1,527 BTC at Dec 31, 2025 to 827 BTC as of Mar 17, 2026.","Launched Fold Bitcoin Rewards Credit Card (limited rollout, up to 4% BTC rewards) and Fold for Business enterprise service.","Retired all outstanding convertible notes, strengthening balance sheet and removing capital structure overhang."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110568,"accession_number":"0001193125-26-091835","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-03-04T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Fold anticipates credit card launch in coming weeks pending third-party approvals","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Fold Holdings anticipates launching a credit card in the coming weeks, subject to successful negotiation and sign-off from third-party service providers.","Launch timeline is uncertain; company states no guarantee it will occur in indicated period or at all.","No financial details, launch milestones, or revenue projections provided in the disclosure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110567,"accession_number":"0001193125-26-082532","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-02-27T23:59:59+00:00","items":["1.01","1.02","2.03","7.01","9.01"],"status":"ready","headline":"Fold eliminates $66.3M in convertible debt, removes 8-10M dilutive shares, releases 521 bitcoin","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Extinguished two convertible notes totaling $66.3M principal; no convertible debt remains. Removes 8-10M potential dilutive shares.","Paid $27.5M to retire the $20M Investor Note; March 2025 Note ($46.3M) terminated without penalty.","Released 521 bitcoin formerly held as collateral under the two notes; now available for operations or credit card program.","Issued $13M new senior unsecured note to SATS (10% interest, 1-year); 520k commitment shares issued to SATS as part of deal."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110566,"accession_number":"0001193125-26-051799","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-02-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Fold Holdings sets 2026 annual meeting for May 19; record date March 24","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting will be held virtually on May 19, 2026 at 12:00 p.m. ET.","Record date for shareholders entitled to vote is March 24, 2026.","Details to be provided in definitive proxy statement to be filed with SEC."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110565,"accession_number":"0001193125-26-024805","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Fold announces free subscription model, metal credit card with up to 4% bitcoin back, and custody upgrade","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Eliminating Fold+ subscriptions; prorated refunds to existing members later Q1; all customers get upgraded experience.","Launching no-annual-fee metal credit card earning unlimited 1.5% back in bitcoin, up to 4% based on bitcoin stacked.","Customer bitcoin now custodied by BitGo under federal bank charter, bankruptcy-remote, with $250M aggregate insurance.","Recurring buys and paycheck conversions become zero-fee; spot buys carry competitive fee with tight spreads.","Fold holds 1,526 bitcoin in Investment Treasury; aims to use treasury to lower friction and improve rewards."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127191,"accession_number":"0001193125-25-293889","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-11-24T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Fold subsidiary amends loan: rate up to 8.5%, collateral thresholds reduced","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Interest rate increased from 6.5% to 8.5% per annum under MLA with Two Prime Lending.","Initial Collateral Level reduced from 250% to 160%; Collateral Call Level from 175% to 135%.","Liquidation Level decreased from 150% to 115%; Collateral Refund Level from 345% to 190%.","Lender now permitted to grant security interest in collateral rights under limited conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127190,"accession_number":"0001193125-25-274190","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Fold Q3 revenue $7.4M (+41% YoY), net income $0.6M, bitcoin treasury 1,526 BTC","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $7.4M (+41% YoY), net income $0.6M, EPS $0.01; adjusted EBITDA loss $4.2M.","Total transaction volume $235M (+43% YoY); active accounts 625,000 with 7,500 new in quarter.","Bitcoin treasury 1,526 BTC as of Nov 6, valued ~$154M; no bitcoin sold since going public.","Upcoming Fold Bitcoin Rewards Credit Card with Visa/Stripe, waitlist 75,000+; rewards up to 3.5%.","Secured $45M revolving credit facility from Two Prime Lending; Fold Bitcoin Gift Card at Kroger."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":22662702.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127188,"accession_number":"0001193125-25-230192","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K/A","filed_at":"2025-10-03T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Fold Holdings enters $45M bitcoin-backed credit facility with Two Prime; 6.5% interest","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Facility provides up to $45M revolving loans; first advance matures Oct 1, 2026.","Interest at 6.5% p.a.; collateral is bitcoin with initial 250% collateral level.","If collateral ratio falls below 175%, lender may call additional bitcoin; automatic liquidation below unspecified liquidation level.","Proceeds for working capital and general corporate purposes; non-dilutive structure.","Borrower may prepay without penalty; lender has call option only if specified in loan term sheet."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127189,"accession_number":"0001193125-25-226833","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Fold Holdings secures up to $45M bitcoin-backed revolving credit facility at 6.5% from Two Prime","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Revolving facility with aggregate principal up to $45M; first $45M advance matures Oct 1, 2026.","Interest at 6.5% per annum on 360-day basis; no minimum loan amount; prepayable without penalty.","Collateralized by bitcoin at 250% initial level; margin call at 175%; automatic liquidation trigger below threshold.","Lender Two Prime has first-priority security interest but no rehypothecation; custodian BitGo Trust Company.","Proceeds for working capital and general corporate purposes; non-dilutive capital preserving bitcoin treasury optionality."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143984,"accession_number":"0000950170-25-111188","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-08-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Fold Holdings increases CEO base salary to $500,000 and CFO base salary to $400,000","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Will Reeves' base salary raised to $500,000 effective February 19, 2025.","CFO Wolfe Repass' base salary raised to $400,000 effective February 19, 2025.","Compensation Committee approved increases on February 28, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143983,"accession_number":"0000950170-25-108866","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-08-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Fold Holdings adopts annual bonus plan; CEO and CFO join executive severance plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Annual Bonus Plan approved for 2025; CEO Will Reeves eligible for up to 80% of base salary, CFO Wolfe Repass up to 50%.","2025 performance criteria include Fold Bitcoin Credit Card launch, revenue, and adjusted EBITDA.","CEO and CFO issued participation notices under existing Executive Severance Plan on Aug 11, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143982,"accession_number":"0000950170-25-107296","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-08-12T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Fold Q2 revenue $8.2M (+59% YoY), net income $13.4M; Bitcoin treasury 1,492 BTC","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $8.2M, +59% YoY; Net income $13.4M; EPS $0.28; Adjusted EBITDA loss $4.7M.","Bitcoin treasury 1,492 BTC ($160M); secured $250M equity purchase facility to expand holdings.","Transaction volume $265M (+124% YoY); active accounts 615K+ (+233% YoY); verified accounts 80K+.","Fold Credit Card waitlist >75K (launch late 2025); Bitcoin Gift Card launched; Bitcoin Sends launched."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.98,"consensus_revenue_estimate":null,"consensus_revenue_actual":15263763.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143981,"accession_number":"0000950170-25-099162","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-07-28T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Fold Holdings enters severance with ex-VP of Risk Nicolleta Goncalves; $36,667 lump sum","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Severance agreement dated July 22, 2025 provides $36,666.66 lump sum (two months base salary) minus withholdings.","Company will pay one month of COBRA premium for August 2025.","Goncalves signed general release of claims and 12-month non-solicit of employees and service providers.","Restrictive covenants include nondisclosure of confidential information and non-disparagement of the company.","Severance conditioned on return of company property and compliance with all covenants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143980,"accession_number":"0000950170-25-096075","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-07-16T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Fold Holdings terminates VP of Risk and Compliance Nicolleta Goncalves","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Nicolleta Goncalves' employment as VP of Risk and Compliance terminated on July 11, 2025.","No replacement or successor named in the filing.","No reason for termination provided in the 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162274,"accession_number":"0000950170-25-087072","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-06-17T23:59:59+00:00","items":["1.01","2.03","3.02","7.01","9.01"],"status":"ready","headline":"Fold Holdings enters $250M equity purchase facility to expand bitcoin treasury","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Up to $250M equity purchase facility; company has right but not obligation to issue and sell shares at its discretion.","Net proceeds primarily intended to acquire additional bitcoin for corporate treasury.","Purchase price at 97% of lowest daily VWAP (regular) or 92% of VWAP (accelerated); also may set minimum acceptable price.","Initial Exchange Cap of 9,282,287 shares (19.99% of outstanding) without shareholder approval; may limit full draw.","Amended existing note: conversion price reduced to $9.00; Series C warrant expiration extended to Aug 14, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162270,"accession_number":"0000950170-25-078321","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K/A","filed_at":"2025-05-28T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Fold Holdings sets officer McManus salary $360K, bonus up to 50%, enhanced severance on change in control","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Annual base salary of $360,000; 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base salary $360K plus 50% bonus","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Compensation Committee approved 108,808 RSUs to Matt McManus under the 2025 Incentive Award Plan.","Annual base salary set at $360,000 with potential bonus up to 50% of base (terms not yet finalized).","Award granted in connection with McManus's appointment as COO, as previously disclosed in the original 8-K.","Company will file further amendment once all material compensation terms are finalized."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162273,"accession_number":"0000950170-25-072655","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-05-15T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Fold Q1 revenue $7.1M (+44% YoY); net loss $48.9M; BTC holdings up 50% to 1,490","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue of $7.1M, up 44% YoY; GAAP net loss $(48.9)M, or $(1.92) per share.","Adjusted EBITDA loss $(4.2)M, or $(0.17) per share; FY2025 revenue guidance unchanged at $61.6M.","Bitcoin treasury 1,490 BTC valued at ~$150M, a 50% increase from Q4 2024.","Total transaction volume $250M (+67% YoY); active accounts 600k; new accounts up 300% YoY.","Launched Bitcoin Gift Card with planned nationwide rollout; credit card waitlist at 75k."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":7087837.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162272,"accession_number":"0001213900-25-039762","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-05-05T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Fold Holdings names Matthew McManus COO, effective Apr 21; previously CPO at Unchained Capital","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Matthew McManus appointed COO of Fold Holdings, effective April 21, 2025; previously CPO at Unchained Capital.","Annual base salary of $360,000 plus eligibility for bonus up to 50% of base salary.","Expected to receive restricted stock units under 2025 Incentive Award Plan with standard vesting.","McManus is brother-in-law of CFO Wolfe Repass; appointment approved by Audit Committee as related-person transaction."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162271,"accession_number":"0001213900-25-032114","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-04-15T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Fold Holdings changes auditor from Marcum to CBIZ after acquisition of Marcum's attest business","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Marcum LLP resigned as auditor effective April 12, 2025; CBIZ CPAs P.C. engaged for FY 2025.","CBIZ acquired Marcum's attest business on November 1, 2024, bringing substantially all partners/staff.","No disagreements or reportable events occurred during Marcum's tenure (FY 2024 and 2023).","Audit committee approved CBIZ engagement; prior to engagement, no consultation on accounting matters.","Marcum's letter of agreement filed as Exhibit 16.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180285,"accession_number":"0001013762-25-004361","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K/A","filed_at":"2025-03-31T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Fold Holdings files audited 2024 financials: net loss $65.1M, revenue $23.8M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss of $65.1M for 2024 vs $7.2M in 2023; accumulated deficit reaches $101.3M.","Revenue rose to $23.8M from $21.5M YoY, driven by bitcoin rewards and card services.","Total assets surged to $125.7M from $8.7M, primarily from $93.6M in bitcoin investment treasury.","SAFE liability of $171.1M converted to equity upon merger close on Feb 14, 2025 (value $68.3M bitcoin).","Convertible note of $20M due in three years; cash and equivalents of $18.3M as of Dec 31, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180284,"accession_number":"0001013762-25-004192","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K/A","filed_at":"2025-03-28T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Fold Holdings reports 2024 net loss of $65.1M on $23.8M revenue; large SAFE charges","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss widened to $65.1M in 2024 from $7.2M in 2023; revenue grew 10% to $23.8M.","Total assets $125.7M, cash $18.3M; accumulated deficit $101.3M as of Dec 31, 2024.","SAFE liability $171.1M; $88.4M non-cash loss from change in fair value of SAFEs.","Convertible note of $11.8M issued; 700 bitcoin in investment treasury ($68.3M at merger close).","Merger with FTAC Emerald closed Feb 14, 2025; stock now trades on Nasdaq as FLD."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180288,"accession_number":"0001213900-25-023298","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-03-12T23:59:59+00:00","items":["1.01","2.01","2.03","3.02","9.01"],"status":"ready","headline":"Fold issues $46.3M convertible note at $12.50/share, secured by 500 bitcoin","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Convertible note of $46.3M to SATS Credit Fund LP, conversion price $12.50, maturity March 2030.","Note pays 7% interest quarterly in common stock; 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total holdings now over 1,485 BTC.","Convertible note has $12.50/share conversion price, an over 100% premium to the March 5 close.","Company claims top 10 position among U.S. public companies with largest bitcoin treasuries.","CEO states bitcoin treasury serves as shareholder value and strategic reserve for bitcoin-native products."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180286,"accession_number":"0001213900-25-014354","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-02-14T23:59:59+00:00","items":["1.01","2.01","5.06","4.01","3.03","5.03","5.01","5.02","5.05","8.01","9.01"],"status":"ready","headline":"Fold Holdings completes de-SPAC merger; Nasdaq listing expected Feb 19","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Business combination closed Feb 14, 2025; company renamed Fold Holdings, Inc.","3,304,183 shares redeemed at ~$11.07/share ($36.6M); $14.1M used for expenses; $799k retained.","Post-closing shares outstanding: 46,138,876; legacy Fold shares converted at ~0.825 ratio.","Common stock and warrants to trade on Nasdaq under 'FLD' and 'FLDDW' starting Feb 19.","Lock-up agreements end Aug 14, 2025; registration rights agreement requires filing within 20 business days."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180283,"accession_number":"0001213900-25-013573","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-02-13T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"FTAC Emerald shareholders approve business combination with Fold, closing expected Feb 14","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Shareholders voted 11,805,377 FOR and 7,786 AGAINST to adopt the Merger Agreement with Fold, Inc.","Also approved charter/bylaws amendments, name change to Fold Holdings, Inc., and Nasdaq listing under FLD and FLDDW.","Closing anticipated on or about February 14, 2025, creating a combined bitcoin financial services company.","Pre-close SPAC trades on OTC Pink/OTCQB; combined company expects to trade on Nasdaq post-close."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180282,"accession_number":"0001213900-25-011943","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-02-11T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"FTAC Emerald postpones special meeting to Feb 13 for Fold merger vote; close expected shortly after","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Special meeting rescheduled to Feb 13, 2025 at 11:30 am ET; no change to proposals.","Deadline for public stockholders to redeem shares was Feb 10, 2025 at 12:00 pm ET.","Business combination with Fold expected to close soon after stockholder approvals.","Combined company to be named Fold Holdings, trading on Nasdaq under FLD and FLDDW."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180281,"accession_number":"0001213900-25-006880","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2025-01-27T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"FTAC Emerald and Fold provide investor presentation as S-4 declared effective for business combination","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["S-4 registration statement declared effective by SEC on January 23, 2025; 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stockholder vote extends SPAC deadline to Dec 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders approved extension of business combination deadline to December 20, 2025.","Nasdaq will suspend trading of FLDD, FLDDU, FLDDW at open on Dec 24, 2024; OTC trading expected.","Holders of 112,068 Public Shares redeemed for ~$1.23M (~$11.02/share), leaving 4.65M shares outstanding.","Business combination with Fold, bitcoin financial services company, expected to close Q1 2025.","Common stock ticker changed to FLDD effective Dec 18, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":197082,"accession_number":"0001213900-24-094203","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2024-11-04T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"FTAC Emerald borrows $973K via promissory note to pay excise tax liability","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $973,116.44 promissory note to Frontier SPV, LLC (affiliate of sponsor) to satisfy excise tax.","Note is non-interest bearing; 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$365M pre-money valuation with Bitcoin-linked earnout","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["FTAC Emerald (EMLD) will acquire Fold, Inc. via merger; consideration is all FTAC Class A common stock.","Fold's pre-money equity value set at $365M; additional up to $54.75M if Bitcoin 60-day VWAP prior to close exceeds $90,000.","Sponsors forfeit all warrants; ~5.3M founder shares subject to time/price-based restrictions; up to 1M forfeited if post-close raise <$50M.","Closing conditions include HSR clearance, NASDAQ listing, stockholder approvals, and net tangible assets ≥ $5,000,001.","Merger must close by Jan 24, 2026; sponsor and Fold stockholder support agreements in place."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213346,"accession_number":"0001213900-24-063749","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"Fold to go public via merger with SPAC FTAC Emerald at $365M pre-money valuation","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Pre-money equity valuation of $365M; Fold stockholders expected to own ~71% of combined company.","Fold holds over 1,000 BTC in treasury; has distributed over $45M in bitcoin rewards since 2019.","Transaction expected to close in Q4 2024, subject to regulatory and stockholder approvals.","Existing Fold stockholders subject to 6-month lock-up; early release if stock price >$12 for 20 of 30 trading days after 90 days post-close."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":232539,"accession_number":"0001213900-24-057257","cik":1889123,"company_name":"Fold Holdings, Inc.","ticker":"FLD","form_type":"8-K","filed_at":"2024-06-28T23:59:59+00:00","items":["3.01"],"status":"ready","headline":"FTAC Emerald Acquisition Corp. securities to transfer to Nasdaq Capital Market","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Company notified on June 26, 2024 of transfer to Nasdaq Capital Market.","Transfer effective at opening of business on June 28, 2024.","Securities affected: units (EMLDU), Class A common stock (EMLD), and warrants (EMLDW).","Transfer is not a delisting; securities continue trading on the Capital Market."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":51291183.74634147,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}