{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-024805","form_type":"8-K","ticker":"FLD","cik":"0001889123","company_name":"Fold Holdings, Inc.","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.682864+00:00","generated_at":"2026-05-16T07:37:29.214458+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Fold announces free subscription model, metal credit card with up to 4% bitcoin back, and custody upgrade","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-024805","json":"https://secwatch.observer/filing/0001193125-26-024805.json","markdown":"https://secwatch.observer/filing/0001193125-26-024805.md","text":"https://secwatch.observer/filing/0001193125-26-024805.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1889123/000119312526024805/0001193125-26-024805-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1889123/000119312526024805/fld-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:37:29.214458+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}