Welcome to our dedicated page for Fold Holdings SEC filings (Ticker: FLDDW), 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.
The Fold Holdings, Inc. (FLD, warrants FLDDW) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a Nasdaq-listed bitcoin financial services firm. Fold files with the U.S. Securities and Exchange Commission as a non-accelerated filer, smaller reporting company, and emerging growth company, and its documents offer detail on its bitcoin-focused financial services platform, governance, and capital markets activity.
Through this page, users can review current reports on Form 8-K, which for Fold have addressed topics such as adoption of an Annual Bonus Plan, executive compensation changes, executive severance arrangements, and the issuance of press releases announcing quarterly financial and operational results. These filings also describe how Fold may pay bonuses in cash, bitcoin, or shares or awards of common stock, and outline performance criteria that can include financial metrics, product success metrics, and customer activity metrics.
Stock Titan also surfaces registration statements like Fold’s Form S-1 and Form S-1/A, which discuss its status as an emerging growth company, its incorporation in Delaware, and an equity purchase facility with SZOP Opportunities I, LLC. These filings explain how shares of Fold common stock may be sold to SZOP and subsequently resold by selling stockholders, subject to Nasdaq rules and registration requirements.
AI-powered tools on Stock Titan help interpret these filings by summarizing long documents, highlighting key sections such as risk factors, management’s discussion and analysis, and descriptions of capital stock, and clarifying the implications of items like equity purchase facilities and compensation plans. Users can also monitor Forms 4 and other ownership-related filings to track insider transactions, and access annual and quarterly reports (Forms 10-K and 10-Q when filed) with AI-generated insights that explain complex accounting and disclosure topics in more accessible language.
Fold Holdings Chief Financial Officer Repass Wolfe reported routine equity compensation activity. On March 19, 2026, Mr. Repass exercised 695 restricted stock units, which convert into common stock on a one-for-one basis, receiving 695 shares of Common Stock at a conversion price of $0.00 per share. On March 20, 2026, he sold 176 shares of Common Stock at $1.246 per share to cover tax withholding obligations tied to this vesting. The company required this "sell to cover" transaction, so it was not a discretionary sale. After these transactions, Mr. Repass directly holds 242,773 shares of Common Stock and 1,390 restricted stock units, with the RSUs vesting over time under a pre-established schedule and merger-related liquidity condition.
Fold Holdings, Inc. Chief Technology Officer Thomas J. Dickman exercised restricted stock units that converted into 179 shares of Common Stock and then sold 47 shares in an open-market transaction used to cover tax withholding obligations mandated by the company’s sell-to-cover policy. After these transactions, he reported owning 332,322 shares of Common Stock directly and 357 restricted stock units that remain outstanding.
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.
FLD reports Form 144 notice for proposed sales of Common Stock by Wolfe Repass. The filing lists multiple resale transactions dated 02/19/2026 through 03/02/2026, with individual sale quantities such as 21,857 shares on 02/19/2026 and 11,281 shares on 03/02/2026. The transactions are described as resale activity tied to the reporting person.
Thomas Dickman submitted a notice of an intended sale of 47 shares of common stock pursuant to a Form 144 filed in connection with restricted stock that vested on 03/19/2026. The filing records a proposed sale through Fidelity Brokerage Services LLC with a reported price of $58.58 and notes 8 shares sold during the prior three months on 03/02/2026 at $11.38.
Fold Holdings, Inc. is a bitcoin-focused financial services company that lets U.S. consumers earn, save, and spend bitcoin through familiar banking tools. Its platform centers on an FDIC-insured checking account offered via Sutton Bank, a Visa prepaid debit card, bill payment, merchant gift cards, and bitcoin rewards.
The company partners with BitGo, a federally chartered national trust bank, to provide bitcoin custody and trading, and with Marqeta, Visa, Stripe and Celtic Bank to support card issuing and credit operations. As of December 31, 2025, Fold had nearly 84,000 verified accounts and runs an extensive rewards network where users earn sats-based bitcoin credits on card spending and merchant offers.
Fold emphasizes a bitcoin treasury and accumulation strategy alongside operations. As of March 17, 2026, it held 827 bitcoin in its Investment Treasury and separately maintained a Rewards Treasury that matched a $6.9 million customer rewards liability as of December 31, 2025. Recent developments include launching the Fold Bitcoin Credit Card on a limited basis, introducing a bitcoin gift card program, restructuring debt with a $13.0 million senior unsecured note while repaying prior convertible notes, and entering a $250 million equity purchase facility to support potential future capital needs.
Fold Holdings, Inc. received an amended Schedule 13D/A from Fulgur Frontier Capital LP and Fulgur Ventures I, L.P., which together report beneficial ownership of 18,100,406 shares of common stock, representing 37.5% of the company based on 48,307,642 shares outstanding as of November 10, 2025.
On December 30, 2025, a limited partner contributed 7,191,631 shares to Fulgur Frontier for no consideration; those shares were originally bought in 2025 open-market transactions for about $27,557,381 at a volume-weighted price of $3.83 per share. The reporting funds describe themselves as private investment vehicles and state they acquired the position believing the shares were undervalued, while noting they currently have no specific plans for corporate actions and that this amendment is filed solely to correct a ministerial error in the original report.
Fold Holdings, Inc. reported strong top-line growth for 2025 while remaining deeply loss-making. Full-year revenue reached $31.8 million, a 34% year-over-year increase, supported by total transaction volume of $960 million, up 46%. Q4 2025 revenue was $9.1 million, up 8% year over year, while Q4 volume of $215 million declined 3%.
The company posted a 2025 operating loss of $27.7 million and a net loss of $69.6 million, compared with a $65.1 million loss in 2024. Adjusted EBITDA loss widened to $17.2 million from $6.3 million, reflecting higher banking, compensation, and professional costs, as well as digital asset and financing-related charges.
Fold ended 2025 with $7.7 million in cash and cash equivalents, $133.7 million of digital assets in its investment treasury, and total assets of $153.5 million$90.5 million from $193.5 million, and stockholders’ equity improved from a deficit of $67.8 million to positive equity of $63.0 million, aided by recapitalization and elimination of prior SAFEs and certain convertible notes. Bitcoin investment treasury holdings were 1,527 BTC at December 31, 2025 and 827 BTC as of March 17, 2026.
Strategically, Fold launched its Bitcoin Rewards Credit Card with up to 4% base rewards and up to 10% through its rewards network, and introduced Fold for Business, enabling corporate bitcoin payroll and bonus programs under annual SaaS-style contracts. Management highlighted a cleaner capital structure, a new $10 million credit facility, and a focus on scaling consumer and enterprise products in 2026, while withholding specific revenue guidance.
Fulgur Frontier Capital LP, a 10% owner of Fold Holdings, Inc., reported acquiring 7,191,631 shares of common stock on December 30, 2025. The shares were contributed by a limited partner to Fulgur Frontier Capital for no additional consideration, raising its direct holdings to 13,740,061 shares. A related fund, Fulgur Ventures I LP, separately holds 4,360,345 shares that are not included in this total.
Fulgur Frontier Capital LP, a 10% owner of Fold Holdings, Inc., reported acquiring 7,191,631 shares of common stock on December 30, 2025. These shares were contributed by one of its limited partners to the fund for no additional consideration.
After this contribution, Fulgur Frontier Capital LP directly owns 13,740,061 shares of Fold Holdings common stock. The contributed shares had originally been purchased in open market transactions by the limited partner at an average weighted price of $3.83 per share on behalf of the reporting person.
The filing also notes that this total does not include 4,360,345 additional shares of Fold Holdings common stock held by an affiliated entity, Fulgur Ventures I LP.