Upcoming Fold (NASDAQ: FLD) credit card depends on key partners

Rhea-AI Filing Summary

Fold Holdings, Inc. used a current report to expand on a recent post on X about its anticipated new credit card. The company currently expects to launch the card in the coming weeks, but timing depends on completing negotiations and obtaining launch sign-off from necessary third-party service providers.

Fold cautions that it cannot guarantee the credit card will launch within that timeframe, or at all. The disclosure is furnished under Regulation FD in Item 7.01 and is expressly not deemed “filed” for purposes of Section 18 of the Exchange Act or incorporated into other securities law filings unless specifically referenced.

0001889123false0001889123fld:CommonStockParValue0.0001PerShareMember2026-03-042026-03-040001889123fld:WarrantsEachWholeWarrantExercisableForOneShareOfCommonStockAtExercisePriceOf11.50PerShareMember2026-03-042026-03-0400018891232026-03-042026-03-04

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): March 4, 2026

Fold Holdings, Inc.

(Exact name of registrant as specified in its charter)

Delaware		001-41168		86-2170416
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

2942 North 24th Street, Suite 115, #42035 Phoenix, Arizona			85016
(Address of principal executive offices)			(Zip Code)

(866) 365-3277

Registrant’s telephone number, including area code

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class		Trading Symbol(s)		Name of Each Exchange on Which Registered
Common stock, par value $0.0001 per share		FLD		Nasdaq Capital Market
Warrants, each whole warrant exercisable for one share of common stock at an exercise price of $11.50 per share		FLDDW		Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

On March 4, 2026, Fold Holdings, Inc. (the "Company", "we", "our", or "us") made a post on X regarding our anticipated upcoming credit card. This filing is being made to elaborate on that post. We currently anticipate that the credit card will be launched in the coming weeks, dependent, among other things, on successful negotiation with, and sign-off on the credit card launch by, our necessary third-party service providers. We cannot guarantee that the credit card will be launched in the time period indicated, or at all.

The information contained in Item 7.01 of this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly provided by specific reference in such a filing.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	FOLD HOLDINGS, INC.
	By:	/s/ Will Reeves
		Name:	Will Reeves
		Title:	Chief Executive Officer
Dated: March 4, 2026

FAQ

What did Fold Holdings (FLD) disclose about its new credit card?

Fold Holdings disclosed that it recently posted on X about an anticipated upcoming credit card and used this report to elaborate. The company explains it expects to launch the card in the coming weeks, subject to completing negotiations and obtaining approvals from key third-party service providers.

When does Fold Holdings (FLD) expect to launch its anticipated credit card?

Fold Holdings states it currently anticipates launching its new credit card in the coming weeks. This timing is conditional, because the company still needs to successfully negotiate with necessary third-party service providers and receive their sign-off before the launch can proceed as expected.

What conditions must be met before Fold Holdings launches its credit card?

Fold Holdings notes that launch of the anticipated credit card depends on successful negotiations with necessary third-party service providers and obtaining their sign-off on the launch. These partner approvals are described as key prerequisites before the card can be introduced as the company currently anticipates.

Does Fold Holdings guarantee that the new credit card will be launched?

Fold Holdings explicitly states it cannot guarantee the credit card will launch in the indicated time period, or at all. The company emphasizes that launch remains uncertain and depends on successfully completing negotiations and receiving required approvals from third-party service providers involved in the product.

How is the credit card information treated under U.S. securities laws?

The company explains that the information about the anticipated credit card in Item 7.01 is furnished under Regulation FD. It is not deemed “filed” under Section 18 of the Exchange Act, nor automatically incorporated into Securities Act or Exchange Act filings without specific reference.

Why did Fold Holdings file an 8-K related to a social media post?

Fold Holdings filed this report to elaborate on a prior post on X regarding its anticipated credit card. By furnishing the same core information through a formal channel, the company provides broader, simultaneous disclosure consistent with Regulation FD’s focus on fair access to material information.

Filing Exhibits & Attachments

1 document

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA WITH EMBEDDED LINKBASES DOCUMENT 100.4 KB