---
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"
generated_at: "2026-05-16T07:37:29.214458+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-024805
- JSON: https://secwatch.observer/filing/0001193125-26-024805.json
- Plain text: https://secwatch.observer/filing/0001193125-26-024805.txt

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