Core Viewpoint - Fold Holdings, Inc. is set to hold its earnings conference call for the fourth quarter ended December 31, 2025, on March 17, 2026, at 5:00 PM Eastern Time, with a press release detailing the results to be issued prior to the call [1]. Group 1: Conference Call Information - Participants can join the conference call by logging on or dialing in approximately 5 minutes before the start [2]. - Phone participants must register using the provided Dial-in Registration link to receive the necessary access details, including dial-in number, passcode, and PIN [3]. - A live and archived webcast of the conference call will be available on the Investors section of Fold's website [3]. Group 2: Company Overview - Fold is the first publicly traded bitcoin financial services company, facilitating the earning, saving, and spending of bitcoin for individuals and businesses [4]. - The company is focused on integrating bitcoin into everyday financial experiences through innovative products such as the Fold App, Fold Bitcoin Gift Card™, and Fold Debit Card™ [4].

Core Insights - Fold Holdings, Inc. has successfully executed strategic capital transactions to enhance financial flexibility and simplify its balance sheet, positioning the company for growth, including the upcoming launch of the Fold Credit Card [1][2] Financial Restructuring - The restructuring has achieved critical objectives, including the removal of restrictive legacy structures and the simplification of the balance sheet, which provides operational flexibility for pursuing growth initiatives [2] - The company has retired convertible instruments with a combined principal value of $66.3 million, eliminating complex covenants and enhancing operational and financing flexibility [4] - The extinguishment of convertible notes has reduced potential share dilution by removing an estimated 8.0 to 10.0 million shares from the fully diluted share count [4] Strategic Focus - The company aims to leverage its new financial position to deliver on its product roadmap and drive long-term shareholder value, with a focus on expanding into enterprise financial services and developing new products [2] - Fold's operational strategy includes utilizing released bitcoin collateral to support operational expenses and secure favorable financing arrangements [4] Product Development - The anticipated launch of the Fold Credit Card is a key component of the company's growth strategy, alongside the expansion of its product offerings in both consumer and enterprise finance [2][5] - Fold is recognized as the first publicly traded bitcoin financial services company, integrating bitcoin into everyday financial experiences through innovative products [3]

Core Viewpoint - Fold Holdings, Inc. is set to hold its 2026 annual meeting of shareholders on May 19, 2026, at 12:00 p.m. Eastern Time, which will be conducted virtually [1]. Group 1 - The record date for determining shareholders entitled to notice and to vote at the annual meeting is March 24, 2026, at the close of business [2]. - Fold is the first publicly traded bitcoin financial services company, facilitating the earning, saving, and spending of bitcoin for individuals and businesses [3]. - The company is focused on integrating bitcoin into everyday financial experiences through innovative products like the Fold App, Fold Bitcoin Gift Card™, and Fold Debit Card™ [3].

Core Insights - Fold Holdings, Inc. has launched a new app experience that consolidates rewards, spending, and account activity into a single financial hub for users [1][2][4] - The updated app is designed to enhance user engagement by simplifying the management of bitcoin and traditional financial activities, setting the stage for future product launches, including a bitcoin rewards credit card [2][3][4] - The launch aligns with a significant increase in U.S. crypto transaction volume, which has risen approximately 50% year-over-year, exceeding $1 trillion from January to July 2025 [3] Company Developments - The new Fold app experience will serve as the primary platform for upcoming offerings, creating a centralized hub for customer engagement and product launches [4] - The rollout of the updated app begins immediately and will become the standard experience for users over the coming weeks, available on both the Apple App Store and Google Play [4] - Fold Holdings, Inc. is recognized as the first publicly traded bitcoin financial services company, with over 1,500 BTC in its treasury, and aims to integrate bitcoin into everyday financial experiences through various innovative products [6]

Core Insights - Fold Holdings, Inc. aims to position bitcoin as a foundational financial tool for American families, emphasizing ownership, agency, and freedom through its services [1][16][21] Company Overview - Fold is a Bitcoin financial services company that simplifies earning, saving, and spending bitcoin through everyday financial tools [1][23] - The company is publicly traded on NASDAQ under the ticker FLD and holds over 1,500 BTC in its treasury [23] Achievements in 2025 - In 2025, Fold launched more products than ever and improved execution velocity, including a complete rebuild of its credit card program in partnership with Stripe and Visa [3] - The company successfully integrated bitcoin into mainstream American life, achieving visibility through various activations, including billboards in Times Square and partnerships with major retailers like Kroger and Steak 'n Shake [3] - Fold expanded its services to all 50 states and became the only public bitcoin financial services company with a federal trust bank charter through BitGo, enhancing its regulatory compliance [3] Goals for 2026 - Fold plans to simplify its offerings by eliminating Fold+ subscriptions, ensuring all customers have access to an upgraded experience [5] - The company will implement clear and transparent pricing, with zero fees for recurring buys and paycheck conversions, aiming to build trust with customers [6] - Fold is enhancing its custody standards by partnering with a federally regulated national bank, ensuring customer assets are protected by a $250 million insurance policy [7][8] - An upgraded app experience will be rolled out to focus on accumulation rather than distractions [9] - The company will launch a no-annual-fee credit card that offers up to 4% back in bitcoin, designed specifically for bitcoin savers [10] - Fold aims to improve dollar banking services to match the management experience of bitcoin, enhancing accessibility and transfer speed [11] - The company plans to expand partnerships with retailers to integrate bitcoin into everyday life [12] - Fold is committed to supporting families and households, focusing on long-term financial goals [13] - The company will utilize its treasury strategically to align with shareholders and enhance customer rewards [14] - Fold is fostering a high-performance culture to accelerate product development and delivery [15] Market Positioning - Fold is positioning itself to benefit from a generational wealth transition, as younger households increasingly view bitcoin as a foundational asset for their financial future [18][19] - The company is building infrastructure to support this shift, aiming to make bitcoin a trusted and practical financial tool for everyday use [20]

Company Overview - Fold Holdings has been officially included in the Russell 2000 index as of December 22, marking it as the first publicly traded Bitcoin financial services firm with over 1,500 BTC in its treasury [2][3] - The company offers a range of products including the Fold App, Fold Bitcoin Gift Card, Fold Debit Card, and an upcoming Fold Bitcoin Rewards Credit Card [2] Market Impact - The inclusion of Fold Holdings in the Russell 2000 is seen as a significant milestone that enhances its visibility among institutional and retail investors, according to the company's CEO [3] - Goldman Sachs analyst Ben Snider predicts that the Russell 2000 could experience upward momentum in early 2026, with expected annual returns of around 10%, which is slightly lower than the S&P 500's projected 12% [3] Industry Context - The Russell 2000 index consists of approximately 2,000 US small-cap stocks, representing about 5-7% of the total US public equity market capitalization, and serves as a benchmark for small-cap investment performance [4] - Fold Holdings is not the first crypto-related company in the Russell 2000; other companies like Marathon Digital Holdings and Riot Blockchain are already part of the index, with these mining firms being top performers in 2023 [5] - Unlike existing constituents, Fold Holdings focuses on consumer-facing fintech services rather than mining operations [6] Regulatory Considerations - The attention surrounding Fold Holdings' inclusion is heightened by MSCI's consideration to exclude companies with digital asset holdings exceeding 50% from its global benchmarks, suggesting these companies resemble investment funds more than operational businesses [7]

Core Insights - Fold Holdings, Inc. has been included in the Russell 2000 Index, marking a significant milestone for the company and enhancing its visibility among investors [1][3]. Company Overview - Fold is the first publicly traded bitcoin financial services company, facilitating the earning, saving, and spending of bitcoin for individuals and businesses [4]. - The company holds over 1,500 BTC in its treasury, positioning itself at the forefront of integrating bitcoin into everyday financial experiences [4]. Strategic Initiatives - The company is focused on executing a clear strategy to incorporate Bitcoin into everyday commerce, with strong early demand for its Bitcoin Gift Card and the upcoming Fold Bitcoin Rewards Credit Card [3]. - Fold aims to build a differentiated platform designed for long-term growth, emphasizing disciplined execution and expanding distribution [3].

Core Insights - Fold Holdings, Inc. has achieved nationwide availability in all 50 U.S. states through a partnership with BitGo Bank & Trust, following BitGo's approval as a federally chartered bank by the OCC, marking a significant regulatory milestone for Bitcoin access in the U.S. [1][2][3] Group 1: Company Developments - Fold is now the first consumer Bitcoin financial services company to operate under a single, federally supervised trust framework, replacing the previous state-by-state regulations that limited consumer access [2][3]. - The partnership with BitGo allows Fold to offer Bitcoin exchange and custody services nationwide, including in previously restricted markets like New York, enhancing the accessibility of its products such as the Fold Bitcoin Gift Card™ and the upcoming Fold Bitcoin Credit Card™ [2][3]. Group 2: Industry Impact - The federal bank charter obtained by BitGo, combined with Fold's financial products, establishes the first true national framework for Bitcoin access in the U.S., which is expected to facilitate a more straightforward and regulated engagement with Bitcoin for consumers [3]. - This development is seen as a significant shift from navigating regulatory barriers to building a solid foundation for the Bitcoin market, allowing Fold to expand its consumer base across the entire country [3][6].

Core Insights - There is a strong interest in gifting bitcoin this holiday season, with 60% of consumers expressing interest and a preference for trusted, regulated U.S. financial brands [2][6] - The survey indicates that 62% of consumers trust the current crypto gift card products available, highlighting rapid adoption of this new gifting method [2][6] - A significant 78% of respondents find bitcoin gift cards from well-known, regulated U.S. financial institutions more appealing than those from typical crypto companies, reflecting a 16-percentage-point increase in trust [2][3] Company Overview - Fold Holdings, Inc. is a bitcoin financial services company that facilitates earning, saving, and spending bitcoin through everyday financial tools [1][5] - The company is the first publicly traded bitcoin financial services firm and holds over 1,500 BTC in its treasury, positioning itself at the forefront of integrating bitcoin into daily financial experiences [5] Methodology - The findings are based on a survey of 626 U.S. consumers conducted in October and November 2025, representing a diverse demographic in terms of gender, age, and geographic location [4]

Core Insights - Fold Holdings, Inc. has announced a partnership with Steak 'n Shake to offer bitcoin rewards, marking a significant step in integrating bitcoin into everyday consumer experiences [1][2][4] - The promotion allows customers to earn $5 in bitcoin when purchasing specific meals, highlighting the shift of bitcoin from a niche investment to mainstream culture [2][4] Company Overview - Fold is a bitcoin financial services company that facilitates earning, saving, and spending bitcoin through various financial tools, and is the first publicly traded company in this sector [1][6] - The company holds nearly 1,500 BTC in its treasury and aims to bridge traditional finance with a bitcoin-powered future through innovative products like the Fold App and Fold Credit Card™ [6] Partnership Details - The limited-time offer is available at approximately 400 Steak 'n Shake locations across the U.S., allowing customers to earn bitcoin through meal purchases [2][3] - Customers can redeem their bitcoin reward by uploading their receipt on a dedicated website, emphasizing the ease of access to bitcoin for new users [3] Industry Impact - This initiative represents a milestone in the adoption of bitcoin, as it is the first instance of a U.S. restaurant chain offering meals bundled with bitcoin rewards [2][4] - The campaign is part of a broader strategy by Fold to establish more mainstream partnerships aimed at making bitcoin a regular part of consumer life [4]