Fold Launches Unified App Experience to Bring Bitcoin Rewards and Everyday Spending Into One Financial Home

Rhea-AI Summary

Fold (NASDAQ: FLD) launched a unified app experience on Feb 4, 2026 that consolidates balances, transactions, bitcoin rewards, and spending into a single hub.

The rollout begins today via Apple App Store and Google Play, positioning the app as the primary platform for upcoming products including the Fold Bitcoin Credit Card.

Positive

• Unified app consolidates balances, transactions, rewards, and spending
• Rollout date began Feb 4, 2026 via Apple App Store and Google Play
• Foundation for new products including the Fold Bitcoin Credit Card later in 2026
• Distribution scale supported by nationwide availability through BitGo federally chartered trust
• Index inclusion company noted inclusion in the Russell 2000 Index

Negative

• None.

Key Figures

US crypto volume growth: 50 percent year-over-year US crypto transactions: $1 trillion

2 metrics

US crypto volume growth 50 percent year-over-year U.S. crypto transaction volume increase cited for Jan–Jul 2025

US crypto transactions $1 trillion U.S. crypto transaction volume between January and July 2025

Market Reality Check

Price: $1.92 Vol: Volume 178,871 is 1.25x t...

normal vol

$1.92 Last Close

Volume Volume 178,871 is 1.25x the 20-day average of 143,151 shares. normal

Technical Shares at $1.92 trade 86.29% below the 52-week high of $14.00 and near the 52-week low of $1.74.

Peers on Argus

FLD was down 1.54% while peers showed mixed moves: MATH -15.62%, BTCS -2.29%, bu...

FLD was down 1.54% while peers showed mixed moves: MATH -15.62%, BTCS -2.29%, but NCTY +1.31% and BTM +3.14%, with FRGE flat. This points to stock-specific factors rather than a unified sector move.

Previous Crypto Reports

5 past events · Latest: Dec 18 (Positive)

Same Type Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Dec 18	Nationwide availability	Positive	+0.0%	Nationwide rollout via BitGo’s federally supervised trust framework in all 50 states.
Dec 04	Consumer survey data	Neutral	-1.9%	Holiday survey showing interest and trust in regulated U.S. bitcoin gifting products.
Nov 19	Affiliate program launch	Positive	-0.8%	Launch of affiliate program to promote Fold Bitcoin Gift Card with commissions.
Oct 31	Restaurant promotion	Positive	-5.9%	Steak ’n Shake promotion offering $5 in bitcoin at ~400 locations nationwide.
Aug 11	Giftcards.com launch	Positive	+0.3%	Launch of Fold Bitcoin Gift Card on Giftcards.com to reach mainstream consumers.

Pattern Detected

Crypto/product expansion headlines have produced mixed reactions, with some positive announcements followed by flat or negative next-day moves.

Recent Company History

Over recent crypto-tagged releases, Fold has focused on expanding bitcoin access and partnerships. Events include nationwide availability via BitGo’s federally supervised framework on Dec 18, 2025, consumer-interest survey data on Dec 4, 2025, and affiliate and retail partnerships from Nov 19, 2025 and . Price reactions ranged from a 5.91% decline to a 0.25% gain, suggesting that even strategically positive crypto news has not consistently driven strong upside.

Historical Comparison

crypto

-1.7 %

Average Historical Move

Historical Analysis

Across 5 prior crypto-tagged updates, FLD’s average next-day move was -1.69%. The current -1.54% pre-news move sits close to that typical reaction.

Typical Pattern

Crypto-tagged news shows a progression from distribution partnerships and retail promotions toward broader nationwide availability and platform-centric product launches, with today’s unified app experience extending that platform focus.

Market Pulse Summary

This announcement centers on consolidating rewards, spending, and account activity into one Fold app...

Analysis

This announcement centers on consolidating rewards, spending, and account activity into one Fold app, positioning it as the hub for future offerings like the Fold Bitcoin Credit Card™. Viewed against prior crypto-tagged milestones—nationwide BitGo-powered access and retail distribution deals—it extends the shift toward a unified platform. Investors may watch how user engagement, transaction volumes, and subsequent regulatory or financing disclosures evolve alongside this product roadmap.

Key Terms

bitcoin, bitcoin rewards credit card, federally chartered trust framework, russell 2000 index

4 terms

bitcoin financial

"a bitcoin financial services company making it easy for individuals to earn, save and spend bitcoin"

Bitcoin is a decentralized digital currency and asset that exists only online, created and recorded through a public digital record maintained by many computers worldwide—think of it as a shared spreadsheet that no single person controls. Investors care because it behaves like a high-risk, high-reward store of value and speculative commodity: its supply is limited, its price can swing sharply, and owning it can change a portfolio’s risk, diversification and exposure to market sentiment.

bitcoin rewards credit card financial

"including the Fold bitcoin rewards credit card"

A bitcoin rewards credit card is a payment card that gives part of your purchases back in bitcoin instead of points or cash, much like a cashback card that pays you in a digital currency. It matters to investors because widespread use shifts consumer spending into demand for bitcoin, can change an issuer’s revenue and costs, and exposes cardholders and companies to bitcoin’s price swings and related tax and regulatory issues.

federally chartered trust framework regulatory

"nationwide availability through BitGo’s federally chartered trust framework"

A federally chartered trust framework is a legal structure in which a trust is formed and governed under national law and supervised by federal regulators rather than by individual states. For investors, that means clearer, uniform rules about how assets are managed, who is responsible if things go wrong, and how disputes are handled—similar to choosing a vehicle with a national license plate that follows one set of traffic laws instead of many local rules.

russell 2000 index financial

"inclusion in the Russell 2000 Index announced later that month"

A stock-market benchmark that tracks about 2,000 small-cap U.S. companies, the Russell 2000 gives a snapshot of how smaller publicly traded firms are performing. Investors use it like a thermometer or yardstick for the small-company segment of the market—funds and portfolio managers compare returns to it, and its movements can signal changes in economic risk appetite or growth expectations; it is weighted so larger small companies have a bigger influence on the index.

AI-generated analysis. Not financial advice.

PHOENIX, Feb. 04, 2026 (GLOBE NEWSWIRE) -- Fold Holdings, Inc. (NASDAQ: FLD) (“Fold” or the “Company”), a bitcoin financial services company making it easy for individuals to earn, save and spend bitcoin through everyday financial tools, today announced the launch of a new Fold app experience that brings rewards, spending, and account activity together into a single, intuitive financial hub, giving customers a clearer, more convenient view of their money.

Over the past year, Fold has paid close attention to how customers use money and bitcoin. The updated app experience reflects that feedback by bringing balances, transactions, bitcoin rewards, and spending activity into a single, easy-to-navigate hub. By simplifying how customers earn, track, and use bitcoin in one place, Fold helps them get more value from each action today while setting the foundation for new products launching later this year, including the Fold bitcoin rewards credit card.

“Bitcoin only works at scale if it fits naturally into how people already manage their money,” said Will Reeves, Chairman and CEO of Fold. “Fold’s new app experience is designed to turn bitcoin rewards and everyday spending into something intuitive and repeatable, while giving us a stronger foundation to operate efficiently and continue expanding our product lineup. It positions Fold to move faster as we bring new financial products to market.”

The launch comes amid continued growth in mainstream crypto activity. Recent industry reporting shows U.S. crypto transaction volume rising by roughly 50 percent year-over-year, surpassing $1 trillion between January and July 2025. Fold has continued to expand its presence into this momentum, including nationwide availability through BitGo’s federally chartered trust framework and inclusion in the Russell 2000 Index announced later that month.

The updated Fold app experience is intended to serve as the primary home for any upcoming offerings as they come to market, including the Fold Bitcoin Credit Card™, creating a centralized platform for future product launches and customer engagement.

The new Fold app experience begins rolling out to customers today and will become the standard Fold experience over the coming weeks. The update is available through the Apple App Store and Google Play.

Interested affiliates can learn more and sign up by visiting Fold on Impact (ID: 6656510) or by contacting affiliates@foldapp.com.

About Fold
Fold (NASDAQ: FLD) is the first publicly traded bitcoin financial services company, making it easy for individuals and businesses to earn, save, and use bitcoin. With over 1,500 BTC in its treasury (as disclosed in our most recent Quarterly Report on Form 10-Q), Fold is at the forefront of integrating bitcoin into everyday financial experiences. Through innovative products like the Fold App, Fold Credit Card™, Fold Bitcoin Gift Card™, and Fold Debit Card™, the company is building the bridge between traditional finance and the bitcoin-powered future.

For investor inquiries, please contact:
Orange Group
Samir Jain, CFA
FoldIR@orangegroupadvisors.com

For media inquiries, please contact:
Jessica Starman, MBA
media@foldapp.com

Cautionary Note on Forward-Looking Statements

The information in this letter includes “forward-looking statements” within the meaning of the federal securities laws. All statements that are not statements of historical fact are forward-looking statements. Forward-looking statements may be identified by the use of words such as “may,” “could,” “would,” “should,” “predict,” “estimate,” “plan,” “aim,” “project,” “forecast,” “intend,” “will,” “expect,” “anticipate,” “believe,” or other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. These statements are based on assumptions and on the current expectations of Fold’s management and are not predictions of actual performance. Many actual events and circumstances are beyond the control of Fold. These forward-looking statements are subject to a number of risks and uncertainties, including: (i) our continued ability to implement business plans, including but not limited to our ability to make technical updates and other product upgrades; (ii) access to and reliance on funding for our products; (vi) access to and reliance on third parties, including banking partners; and (viii) those risks and uncertainties discussed in Fold Holding, Inc.’s filings with the Securities and Exchange Commission, including, but not limited to our previous Annual Report on Form 10-K and our subsequent Quarterly Reports. If any of these risks materialize or Fold’s assumptions prove incorrect, actual results could differ materially from the results implied by these forward-looking statements. While Fold may elect to update these forward-looking statements at some point in the future, Fold specifically disclaims any obligation to do so, except as required by law.

FAQ

What did Fold (FLD) announce on February 4, 2026 about its app?

Fold announced a new unified app experience combining balances, transactions, bitcoin rewards, and spending into one hub. According to the company, the update begins rolling out today and will become the standard Fold experience over the coming weeks.

When will Fold (FLD) users get the updated app and where is it available?

The updated Fold app began rolling out on Feb 4, 2026 and will become standard over weeks. According to the company, the update is available through the Apple App Store and Google Play for eligible customers.

How does the new Fold app support the upcoming Fold Bitcoin Credit Card (FLD)?

The app is designed as a centralized platform to host future offerings, including the Fold Bitcoin Credit Card. According to the company, this unified hub simplifies earning, tracking, and using bitcoin ahead of the card launch later in 2026.

Does Fold (FLD) have broader distribution or partnerships tied to the app launch?

Fold highlighted nationwide availability via BitGo's federally chartered trust framework to support broader distribution. According to the company, this expands accessibility as it scales product offerings tied to the new app.

What market context did Fold (FLD) cite when launching the new app on Feb 4, 2026?

Fold pointed to rising mainstream crypto activity, noting U.S. crypto transaction volume rose roughly 50% year-over-year to over $1 trillion (Jan–Jul 2025). According to the company, the app launch is timed to leverage that momentum.