Fold Holdings (FLD) begins rollout of Fold Bitcoin Rewards Credit Card

Rhea-AI Filing Summary

Fold Holdings, Inc. disclosed that it has begun rolling out its Fold Bitcoin Rewards Credit Card to customers at the top of its waitlist. Previously, only internal team members had been underwritten and issued credit lines. The company cautions that there can be no assurances that further rollouts of the card will occur as anticipated, or at all. The disclosure is provided under Regulation FD and is expressly not deemed filed for liability purposes under Section 18 of the Exchange Act.

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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 23, 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 17, 2026, Fold Holdings, Inc. ("we", "our", or "us") previously reported in our Annual Report on Form 10-K as well as a press released attached to a Current Report on Form 8-K that we had begun the process of rolling out the Fold Bitcoin Rewards Credit Card (the "credit card"), with internal team members being the first to be underwritten and receive credit lines, expected to be followed by a rollout to customers at the top of our waitlist. We are filing this Current Report to announce that we have begun rolling out the credit card to customers on the top of our waitlist. There can be no assurances that further rollouts of the credit card will occur as anticipated, 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 23, 2026

FAQ

What did Fold Holdings (FLD) announce about its Bitcoin Rewards Credit Card?

Fold Holdings announced it has begun rolling out its Fold Bitcoin Rewards Credit Card to customers at the top of its waitlist. Previously, only internal team members had been underwritten and issued credit lines as part of the card’s initial rollout process.

Who is currently receiving the Fold Bitcoin Rewards Credit Card from Fold Holdings (FLD)?

The card is now being issued to customers at the top of Fold Holdings’ waitlist. Earlier, the rollout focused on internal team members, who were the first to be underwritten and granted credit lines before expanding to external customers.

What caution did Fold Holdings (FLD) include about further credit card rollouts?

Fold Holdings stated there can be no assurances that further rollouts of the Fold Bitcoin Rewards Credit Card will occur as anticipated, or at all. This language highlights uncertainty around the timing and extent of any additional expansion beyond the current group.

Under which SEC item did Fold Holdings (FLD) provide this credit card update?

The update on the Fold Bitcoin Rewards Credit Card rollout was provided under Item 7.01, Regulation FD Disclosure. Information under this item is furnished, not filed, and is not subject to liability under Section 18 of the Securities Exchange Act of 1934.

Is the Fold Bitcoin Rewards Credit Card disclosure incorporated into other Fold Holdings (FLD) filings?

Fold Holdings specified that this credit card disclosure is not deemed incorporated by reference into any Securities Act or Exchange Act filing, unless explicitly referenced. This means it stands alone unless a future filing specifically incorporates the information by reference.

What securities of Fold Holdings (FLD) are listed on the Nasdaq Capital Market?

Fold Holdings lists its common stock, par value $0.0001 per share, under the symbol FLD on the Nasdaq Capital Market. It also lists warrants, each exercisable for one common share at an $11.50 exercise price, under the symbol FLDDW on the same exchange.

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