Fold Holdings (FLD) shares customer letter on upcoming year and credit card

Rhea-AI Filing Summary

Fold Holdings, Inc. furnished an 8-K under Regulation FD to share a customer letter dated January 27, 2026. The letter outlines Fold’s intentions for the upcoming year, including information about its anticipated upcoming credit card.

The customer letter is provided as Exhibit 99.1, while Exhibit 104 covers the inline XBRL cover page data. The information in this 8-K, including the exhibit, is furnished rather than filed, meaning it is not subject to certain Exchange Act liability provisions or automatically incorporated into other securities filings.

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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): January 27, 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 January 27, 2026, Fold Holdings, Inc. ("Fold") released a customer letter announcing certain intentions for the upcoming year, including certain information regarding its anticipated upcoming credit card. A copy of the letter in connection with the announcement is being furnished as Exhibit 99.1 to this Current Report on Form 8-K.

The information contained in Item 7.01 of this Current Report (including Exhibit 99.1 attached hereto) 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.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.		Description
99.1		Customer Letter of Fold Holdings, Inc. dated January 27, 2026.
104		Cover Page Interactive Data File (embedded within the inline XBRL document).

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: January 27, 2026

FAQ

What did Fold Holdings, Inc. (FLD) disclose in this 8-K filing?

Fold Holdings, Inc. furnished an 8-K to share a customer letter dated January 27, 2026. The letter discusses Fold’s intentions for the upcoming year, including details about an anticipated upcoming credit card and related plans for its customer base.

What is Exhibit 99.1 in Fold Holdings, Inc. (FLD)’s 8-K?

Exhibit 99.1 is a customer letter from Fold Holdings, Inc. dated January 27, 2026. The letter communicates the company’s intentions for the coming year and includes information about its anticipated upcoming credit card offering to customers.

Is the customer letter in Fold Holdings, Inc. (FLD)’s 8-K considered filed with the SEC?

The customer letter and related Item 7.01 information are considered furnished, not filed, with the SEC. As a result, they are not subject to Section 18 liability and are not incorporated into other securities filings unless specifically referenced.

What is the main topic of Fold Holdings, Inc. (FLD)’s customer letter?

The customer letter focuses on Fold Holdings, Inc.’s intentions for the upcoming year. It includes certain information regarding the company’s anticipated upcoming credit card, outlining plans and expectations for this product for existing and potential customers.

Which exhibits are included in Fold Holdings, Inc. (FLD)’s January 27, 2026 8-K?

The 8-K includes Exhibit 99.1, which is the customer letter dated January 27, 2026, and Exhibit 104. Exhibit 104 is the cover page interactive data file embedded within the inline XBRL document for regulatory and disclosure formatting purposes.

Under which item of Form 8-K did Fold Holdings, Inc. (FLD) furnish the customer letter?

Fold Holdings, Inc. furnished the customer letter under Item 7.01, Regulation FD Disclosure. This item is used to provide broad, non-selective disclosure of information to the market, helping ensure all investors access the same communications simultaneously.