secwatch.observer — SEC 8-K summary
======================================

Issuer:     Fold Holdings, Inc. (FLD)
CIK:        0001889123
Form:       8-K
Filed at:   2025-11-10T23:59:59+00:00
Accession:  0001193125-25-274190
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1889123/000119312525274190/0001193125-25-274190-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1889123/000119312525274190/fld-20251110.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-274190

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer