---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-336938"
form_type: "8-K"
ticker: "FLD"
cik: "0001889123"
company_name: "Fold Holdings, Inc."
filed_at: "2026-08-06T12:55:18+00:00"
generated_at: "2026-08-06T13:00:16.592655+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Fold Holdings partners with Lead Bank as core banking partner to expand financial services platform

## Summary
- Lead Bank, an FDIC-insured institution, will support Fold's accounts, deposits, withdrawals, and bitcoin trading.
- Planned features include passthrough bitcoin buys, ACH origination, FedWire/FedNow transfers, and instant withdrawals.
- Customer account transition to Lead Bank expected to begin later this year; phased launch of new features starting in 2026.
- Partnership follows recent milestones: Fold Bitcoin Credit Card rollout and capital transactions to scale platforms.

## SEC filing metadata
- accession: 0001193125-26-336938
- form_type: 8-K
- ticker: FLD
- cik: 0001889123
- company_name: Fold Holdings, Inc.
- filed_at: 2026-08-06T12:55:18+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1889123/000119312526336938/0001193125-26-336938-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1889123/000119312526336938/fld-20260806.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-336938
- JSON: https://secwatch.observer/filing/0001193125-26-336938.json
- Plain text: https://secwatch.observer/filing/0001193125-26-336938.txt

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