Fold announces free subscription model, metal credit card with up to 4% bitcoin back, and custody upgrade

Fold Holdings, Inc.

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.

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