{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0001889123","name":"Fold Holdings, Inc.","summary":"Fold Holdings, Inc. is a bitcoin-focused financial services company founded in 2019. It offers an FDIC-insured checking account (via Sutton Bank), a Visa prepaid debit card, a bitcoin rewards credit card (issued by Celtic Bank), bitcoin gift cards, and bitcoin custody/trading services (via BitGo). Customers earn bitcoin rewards on purchases. Fold also maintains a corporate bitcoin treasury and partners with retailers and employers to distribute bitcoin-enabled financial products across the United States.","people":[],"products":[{"name":"Fold Checking Account","type":"service","description":"Free FDIC-insured checking account offering direct deposits, bill payments, and early paycheck access, provided via Sutton Bank."},{"name":"Fold Visa Prepaid Card (Fold Debit Card)","type":"service","description":"Visa prepaid debit card linked to Fold Checking Account, usable anywhere Visa is accepted with bitcoin rewards."},{"name":"Fold Bitcoin Credit Card (Fold Credit Card)","type":"service","description":"Unsecured revolving Visa credit card issued by Celtic Bank targeting prime consumers, offering 1.5%–4.0% back in bitcoin."},{"name":"Fold Rewards Program","type":"platform","description":"Bitcoin rewards program allowing users to earn promotional bitcoin credits via card spend, merchant offers, referrals, and daily spins."},{"name":"Fold Bitcoin Gift Card","type":"service","description":"USD-denominated prepaid gift card redeemable for bitcoin through the Fold App, available in physical and digital formats."},{"name":"Custody & Trading","type":"service","description":"Bitcoin buy, sell, store, and withdraw services offered via partnership with BitGo, accessible through the Fold App."},{"name":"Fold App","type":"platform","description":"Mobile application through which all Fold products and services are accessed in the United States."}],"partnerships":[{"partner_name":"Sutton Bank","partnership_type":"strategic","description":"Provides FDIC-insured checking accounts to Fold customers.","start_date":null},{"partner_name":"Visa","partnership_type":"strategic","description":"Payment network for Fold Visa Prepaid Debit Card and Fold Bitcoin Credit Card.","start_date":null},{"partner_name":"BitGo Bank & Trust, National Association","partnership_type":"strategic","description":"Federally chartered national trust bank providing bitcoin custody and trading services for Fold customers.","start_date":null},{"partner_name":"Celtic Bank","partnership_type":"strategic","description":"Issues the Fold Bitcoin Credit Card to consumers.","start_date":null},{"partner_name":"Stripe","partnership_type":"strategic","description":"Supports core credit card program operations including card processing and program management for the Fold Credit Card.","start_date":null}],"affiliations":[],"origin":{"leaf":"6d71e4e740132b4254838805dba1c7d6f1147f918e52b63349eed9266b7e1a6f","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"3328a03b22ea1cc5d100566745bfbf6036702c910b0e9ea48a5cf4d1a70e4fee","parent":"33d8d930397825227c67100b17748e23c52b154300a235a91fbd8ba533ec9b9d","source":"0001193125-26-110808","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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