Here are the 10-K annual reports from Fold Holdings, Inc. Warrant (FLDDW) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow FLDDW and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FLDDW filings page.
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.