---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-274190"
form_type: "8-K"
ticker: "FLD"
cik: "0001889123"
company_name: "Fold Holdings, Inc."
filed_at: "2025-11-10T23:59:59+00:00"
generated_at: "2026-05-16T22:38:35.695332+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Fold Q3 revenue $7.4M (+41% YoY), net income $0.6M, bitcoin treasury 1,526 BTC

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-25-274190
- form_type: 8-K
- ticker: FLD
- cik: 0001889123
- company_name: Fold Holdings, Inc.
- filed_at: 2025-11-10T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1889123/000119312525274190/0001193125-25-274190-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1889123/000119312525274190/fld-20251110.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-274190
- JSON: https://secwatch.observer/filing/0001193125-25-274190.json
- Plain text: https://secwatch.observer/filing/0001193125-25-274190.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.