Welcome to our dedicated page for Fold Holdings SEC filings (Ticker: FLD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Fold Holdings, Inc. (NASDAQ: FLD) files a range of documents with the U.S. Securities and Exchange Commission that shed light on its bitcoin-focused financial services business, capital structure, and risk profile. As the first publicly traded bitcoin financial services company, Fold uses its SEC filings to report on its bitcoin investment treasury, financing facilities, and operating performance.
On this page, you can review current and historical filings such as annual reports on Form 10-K and quarterly reports on Form 10-Q, which provide detail on revenue, operating expenses, transaction volumes, active and verified accounts, and the composition of Fold’s digital asset holdings. These reports also discuss the company’s strategy of integrating bitcoin into everyday financial experiences through products like the Fold App, Fold Card, Fold Bitcoin Gift Card™, and planned Fold Bitcoin Rewards Credit Card™.
Current reports on Form 8-K are particularly relevant for tracking material events. Recent 8-K and 8-K/A filings describe Fold’s master loan agreement and amendments with Two Prime Lending Limited, establishing and modifying a bitcoin-collateralized revolving credit facility, as well as press releases announcing quarterly results. These documents outline key terms such as collateralization levels, interest rates, events of default, and the intended use of proceeds for working capital, growth, and treasury management.
Stock Titan enhances access to these filings with AI-powered summaries that explain complex sections, highlight important changes, and surface items related to digital asset accounting, treasury strategy, and financing arrangements. Real-time updates from EDGAR ensure that new 10-K, 10-Q, 8-K, and other submissions appear quickly, while insider transaction reports on Form 4 and proxy materials, when filed, can help investors analyze ownership, compensation, and governance. This page offers a focused view of FLD’s regulatory record, supported by AI tools that make lengthy filings more approachable.
Fold Holdings, Inc. files a prospectus supplement updating its S-1 registration covering 49,161,055 shares of common stock, 925,590 SATS warrants to purchase shares of common stock, and 12,434,658 shares of common stock issuable upon exercise of public warrants, and attaches a new shareholder communication.
The furnished customer letter describes 2025 as a year of rebuilding, including restarting its credit card program with partners such as Stripe and Visa and expanding bitcoin services nationwide through a federal trust bank charter via BitGo. For 2026, Fold plans to eliminate paid subscriptions so the platform becomes free, introduce zero-fee recurring and paycheck bitcoin buys, and clarify spot pricing. It highlights custody of customer bitcoin at a federally regulated national bank with access to a $250 million aggregate BitGo insurance policy if conditions are met, and discloses holding 1,526 bitcoin in its investment treasury as of November 10, 2025, used to support rewards and bitcoin-focused services.
Fold Holdings, Inc. supplements its prospectus covering up to 9,282,287 shares of common stock by adding a customer letter that sets out key plans for 2026. The letter describes eliminating Fold+ subscriptions, introducing zero-fee recurring bitcoin buys and paycheck conversions, and simplifying spot pricing.
Fold highlights custody of customer bitcoin with a federally regulated national bank and BitGo, including a $250 million aggregate insurance policy if stated conditions are met. It plans a no-annual-fee metal credit card earning up to 4% back in bitcoin and notes holding 1,526 bitcoin in its Investment Treasury as of November 10, 2025.
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.
Fold Holdings, Inc. has an effective registration statement covering up to 9,282,287 shares of common stock and is filing a new prospectus supplement to incorporate its latest Current Report on Form 8-K. The supplement keeps the existing S-1 in place but updates it with recent information.
The attached Form 8-K describes a First Master Loan Agreement Amendment with Two Prime Lending Limited. The amendment raises the loan fee to 8.5 percent per annum and sets loan assets of up to 45,000,000 USD, secured by Bitcoin held in cold storage at qualified custodians under a tri-party control agreement. Collateral thresholds are reduced, with an initial collateral level of 160%, a collateral call level of 135%, a liquidation level of 115%, and a collateral refund level of 190%, with a maturity date of September 30, 2026.
Fold Holdings, Inc. has filed a prospectus supplement covering 49,161,055 shares of common stock, 925,590 SATS warrants to purchase common stock, and 12,434,658 shares of common stock issuable upon exercise of public warrants. The supplement incorporates a new Current Report on Form 8‑K into the existing Form S‑1 prospectus.
The attached 8‑K describes a First Master Loan Agreement Amendment between Fold, Inc. and Two Prime Lending Limited. The amendment increases the interest rate on the bitcoin‑collateralized facility from 6.5% to 8.5% per annum, while lowering several collateral thresholds, including the Initial Collateral Level to 160% and the Liquidation Level to 115%. The facility provides for loan assets of up to 45,000,000 USD in a fixed‑term loan with a maturity date of September 30, 2026, secured by bitcoin held in segregated cold storage at a qualified custodian, with detailed rules for any permitted re‑pledge of collateral.
Fold Holdings, Inc. announced an amendment to its Master Loan Agreement between its subsidiary Fold, Inc. and Two Prime Lending Limited. The amendment raises the interest rate on advances from 6.5% per annum to 8.5% per annum and significantly lowers several collateral thresholds. The Initial Collateral Level is reduced from 250% to 160%, the Collateral Call Level from 175% to 135%, the Liquidation Level from 150% to 115%, and the Collateral Refund Level from 345% to 190%. Two Prime may now grant a security interest in its rights to the collateral in limited cases, with counterparties able to access collateral only after an Event of Default that continues beyond any notice and cure period.
Fold Holdings, Inc. filed Prospectus Supplement No. 5 to its S-1, covering up to 9,282,287 shares of common stock, and attached its Q3 2025 Form 10-Q to update the Prospectus. The supplement must be read together with the base Prospectus.
In Q3 2025, Fold reported revenue of $7,398,939 (vs. $5,241,889 a year ago), an operating loss of $5,940,318, and net income of $554,242, aided by a $10,238,866 gain on its investment treasury digital assets. As of September 30, 2025, total assets were $190,966,112, including $170,392,495 in bitcoin held for investment (1,494 BTC), and cash and cash equivalents of $6,663,463. Principal debt totaled $66.3 million across two convertible notes with conversion prices of $9.00 and $12.50, secured in part by 800 BTC collateral. The company also has a $250 million equity purchase facility and sold 1,151,071 shares under it for $3,478,137.
Fold’s common stock and warrants trade on Nasdaq as FLD and FLDDW. The last reported prices on November 7, 2025 were $3.09 (FLD) and $0.34 (FLDDW). Shares outstanding were 48,307,642 as of November 10, 2025.
Fold Holdings, Inc. filed Prospectus Supplement No. 14 under Rule 424(b)(3) to update its S‑1. The supplement covers 49,161,055 shares of common stock, 925,590 SATS warrants to purchase common stock, and 12,434,658 shares of common stock issuable upon exercise of the public warrants.
FLD and FLDDW trade on Nasdaq; last reported prices on November 7, 2025 were $3.09 per share and $0.34 per warrant. As of November 10, 2025, 48,307,642 common shares were outstanding.
For the quarter ended September 30, 2025, revenue was $7,398,939 and operating loss was $5,940,318. Net income was $554,242, aided by a $10,238,866 gain on digital assets in the investment treasury. Cash and equivalents were $6,663,463. The company held 1,494 bitcoin in its investment treasury valued at $170,392,495, with 800 bitcoin restricted as collateral. Principal debt totaled $66.3 million across two convertible notes. A $250 million equity purchase facility is in place; during Q3 2025, the company sold 1.15 million shares for gross proceeds of $3.48 million.
Fold Holdings (FLD) reported Q3 2025 results. Revenue was $7,398,939, up from $5,241,889 a year ago. Operating loss was $5,940,318, but gains on digital assets drove other income (expense), net to $6,493,679, resulting in net income of $554,242 for the quarter. For the nine months, revenue reached $22,662,702 with a net loss of $34,899,390.
As of September 30, 2025, cash and cash equivalents were $6,663,463 with positive working capital of $6.1 million. The company held 1,494 bitcoin in its Investment Treasury valued at $170,392,495 and 81 bitcoin in its Rewards Treasury valued at $9,295,587; 800 bitcoin were pledged as collateral for convertible notes. Principal debt outstanding totaled $66.3 million, including a $20.0 million note convertible at $9.00 per share maturing on February 14, 2028, and a $46.3 million related-party note convertible at $12.50 per share maturing on March 6, 2030. Under a $250 million equity purchase facility, the company sold 1,151,071 shares for gross proceeds of $3,478,137. Shares outstanding were 48,307,642 as of November 10, 2025.
Fold Holdings, Inc. furnished an 8-K announcing it issued a press release with financial and operational results for the third quarter ended September 30, 2025. The release is attached as Exhibit 99.1 and, as stated, is furnished under Item 2.02 and incorporated into Item 7.01. The company notes the information is not deemed “filed” under the Exchange Act and includes a cautionary note regarding forward-looking statements.