{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-293889","form_type":"8-K","ticker":"FLD","cik":"0001889123","company_name":"Fold Holdings, Inc.","filed_at":"2025-11-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.990509+00:00","generated_at":"2026-05-16T17:22:38.005389+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Fold subsidiary amends loan: rate up to 8.5%, collateral thresholds reduced","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-293889","json":"https://secwatch.observer/filing/0001193125-25-293889.json","markdown":"https://secwatch.observer/filing/0001193125-25-293889.md","text":"https://secwatch.observer/filing/0001193125-25-293889.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1889123/000119312525293889/0001193125-25-293889-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1889123/000119312525293889/fld-20251119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T17:22:38.005389+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6c7a19d367af738a83a6114c4437d21d0549f840","claim":"Fold Holdings, Inc. amended credit facility with Two Prime Lending Limited at 6.5% per annum to 8.5% per annum.","evidence_excerpt":"On November 19, 2025, the Borrower and Two Prime entered into the First Master Loan Agreement Amendment (the “ MLA Amendment ”) to the MLA pursuant to which, among other things: (i) the interest rate increased from 6.5% per annum to 8.5% per annum","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1889123/000119312525293889/0001193125-25-293889-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"credit facility"},{"label":"Counterparty","value":"Two Prime Lending Limited"},{"label":"Rate","value":"6.5% per annum to 8.5% per annum"},{"label":"Event","value":"amendment"}],"fact_type":"debt_financing"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}