{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-110668","form_type":"8-K","ticker":"FLD","cik":"0001889123","company_name":"Fold Holdings, Inc.","filed_at":"2026-03-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.683731+00:00","generated_at":"2026-05-15T10:58:03.039279+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Fold reports FY2025 revenue $31.8M (+34% YoY), launches Bitcoin credit card; loss per share $1.65","bullets":["Full-year 2025 revenue $31.8M (+34% YoY); GAAP operating loss $27.7M; adjusted EBITDA loss $17.2M; loss per share $1.65.","Q4 2025 revenue $9.1M (+8% YoY); transaction volume $215M (-3% YoY); verified accounts ~84,000.","Bitcoin treasury fell from 1,527 BTC at Dec 31, 2025 to 827 BTC as of Mar 17, 2026.","Launched Fold Bitcoin Rewards Credit Card (limited rollout, up to 4% BTC rewards) and Fold for Business enterprise service.","Retired all outstanding convertible notes, strengthening balance sheet and removing capital structure overhang."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-110668","json":"https://secwatch.observer/filing/0001193125-26-110668.json","markdown":"https://secwatch.observer/filing/0001193125-26-110668.md","text":"https://secwatch.observer/filing/0001193125-26-110668.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1889123/000119312526110668/0001193125-26-110668-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1889123/000119312526110668/fld-20260317.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T10:58:03.039279+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"}