Fold HQ
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I just shared our 2026 customer letter.
What we believe. How we build. What’s next. Why it matters.
Onward.
blog.foldapp.com/2026-custom…
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Fold makes history tomorrow— debuting on Nasdaq as the first Bitcoin financial services company to go public and one of the world's top 25 Bitcoin treasuries.
businesswire.com/news/home/2…
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If the U.S. government ran its $39.7B in annual credit card spending through a 2% Bitcoin rewards card, it would stack ~8,926 BTC per year—at zero cost to taxpayers.
A budget-neutral way to accumulate Bitcoin.
Cc @DavidSacks @howardlutnick @SecScottBessent
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I think we all know this but #bitcoin is the real run on the banks and it’s been going on for over a decade.
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Welcome to Fold Mining Club.
Drop a pic of your miner(s) and @fold_app ref link below— tomorrow I’ll throw in some sats to help with the electricity bill.
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The SEC has just declared effective our Registration Statement to take Fold public.
A bitcoin financial services company built by bitcoiners for bitcoiners with over 1,000 bitcoin in treasury is one step closer to the NASDAQ.
businesswire.com/news/home/2…
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We’re bringing bitcoin to millions—by partnering with the biggest names in retail.
Tag brands and retailers you want to carry the Fold Bitcoin Gift Card™ below.
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I'm thrilled to announce @fold_app has closed our Series A with @craft_ventures to bring bitcoin rewards to the world. We’ve processed nearly $100mm in transactions and distributed billions of satoshis to our users in the last few months alone—we're unstoppable.
.@fold_app ANNOUNCES THAT ITS SATS-BACK DEBIT CARD IS NOW ACCESSIBLE TO ALL U.S. RESIDENTS
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Fold is now the first lightning app and second bitcoin-only app to ever break into the Top 100 Finance App charts on both App Stores. LFG 🚀
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Follow the incentives. reuters.com/business/sustain…
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I just got back from a few weeks in El Salvador with my wife and baby son.
The world is dominated by competing visions of bleak, hopeless futures— the futures my boy will inherit.
In El Salvador, I witnessed an alternative vision for the future. A vision whose time has come.
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Imagine if Coinbase had focused on bitcoin as a tool to build long term savings for their customers and a treasury position for their company since 2012.
It's entirely possible that their customers would hold over 3M bitcoin and their treasury would hold over 1M bitcoin-- that's 20% of the entire supply.
Would easily surpass the Dutch East India Company as the most valuable company of all time.
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FOLD is a top 25 holder of Bitcoin in the world— and we’re not even public yet.
I wonder what happens after we list 🤔
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At @fold_app we’ve processed $1b in transactions and distributed over 50b sats in bitcoin rewards to our community in the United States.
Now we’re going global and our first stop is Bitcoin Country— El Salvador.
bitcoinmagazine.com/business…
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We’ve stacked over 1,000 bitcoin into our treasury and we intend to stack 1,000s more.
We’re turning @fold_app into an unstoppable bitcoin accumulation machine for our customers and future shareholders.
businesswire.com/news/home/2…
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The ability to rollback the chain is a critical feature of Ethereum. There’s no better time or way to demonstrate this key differentiator to keep faith in the ecosystem.
.@VitalikButerin will you advocate to roll back the chain to help @Bybit_Official ?
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We have 1,000 bitcoin in treasury at Fold— making us one of the top public company bitcoin treasuries in the world.
And, we only just got started— steady lads.
$EMLD
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If Costco sold bitcoin, they could give Coinbase a run for their money.
They currently move $200M a month in gold bars. And, people buying bitcoin at Costco would be buying it as a savings asset or gift— far from the Coinbase casino floor.
Kirkland Bitcoin > Coinbase Bitcoin
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Giving away 21,000 chances to win a full bitcoin over the next 24hrs.
Just RT and drop your Fold ref link below.
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Bitcoin is overtaking crypto in the normie hive mind.
The breakout correlates to the collapse of Blockfi, Voyager, Celsius & is accelerating with the FTX implosion.
When the noisemakers go quiet, the signal gets louder. If you can believe it, this is all good for #Bitcoin
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Shoot a random person to get attention.
Instruct everyone to lock arms in a line.
Announce that if anyone escapes you’ll shoot the two people that were locked to the escapee.
Do not reveal you have no bullets.
Turn the murderers into the guards.
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We’re just getting started.
🚨 BREAKING 🚨
FOLD announces a $30M convertible note financing at a premium to the expected listing valuation to accelerate bitcoin financial services and treasury development. ffnews.com/newsarticle/fundi…
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Bitcoin treasury companies are launching daily.
At $FLD, we didn’t pivot into bitcoin—we were built on it. It’s not a headline. It’s the operating system.
We’re not here for the cycle. We’re here for the century—the Bitcoin Century.
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lmao apple just rejected us.
Getting rejected by the App Store censors is a right of passage for bitcoin builders. Been happening since day one and @fold_app continues to deal with it.
Every time this issue becomes newsworthy, it just means a lot of cool shit it being built again. Bullish.
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Fold is now included in the Bitcoin Standard Corporations Index which tracks companies with over 1,000 bitcoin in treasury.
New entrants to the Bitwise Bitcoin Standard Corporations Index!
The Bitwise Bitcoin Standard Corporations ETF $OWNB seeks to track an index of companies like $MSTR, $MARA, and $TSLA that hold more than 1000 BTC as a treasury asset. That index was just reconstituted.
The TL;DR:
- Fold Holdings $FLD and Bitdeer Technologies $BTDR have entered
- Index now features 22 companies that together hold > 648K BTC ($54B+)
- That’s 3.2% of total BTC supply
The fund does not invest directly in bitcoin or indirectly through derivatives that reference bitcoin.
For more information and disclosures, go to ownbetf.com.
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The coronavirus version of the Patriot Act is going to be wild. What’s going to be included in this Healthy Citizens Act?
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We’re all going to stack so much bitcoin together.
We’re excited to share that Fold is set to list on the NASDAQ as the first publicly traded financial services company powered by bitcoin.
We will enter the market with over 1,000 bitcoin in our treasury. $EMLD
businesswire.com/news/home/2…
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Bitcoin is coming to a store near you in 2025– powered by Fold.
What store do you want to see offer bitcoin?
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If you don’t sell, there are only 2 million bitcoin available to feed the ETFs.
Keep calm and hodl on.
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The U.S. appears to have dumped 85% of its bitcoin— the same bitcoin that was to underpin the Bitcoin Strategic Reserve.
Exceptional reporting by Lola.
Full list of BTC holdings. Request was dated March 24, response is from today. DM me your email, I'll send you the files.
Total BTC holdings are 28,988.35643016, or approx. $3.44 Billion at current price.
US Marshal Service liquidates assets in public auctions, so unless they announced a sale, this list should be accurate.
If you want to pay another $10,000, I can Google that for you.
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How about withdraw to a lightning wallet *and* earn risk-free yield on it via lightning pool? Working on it.
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~16,000 sats earned for paying my mortgage with Fold today.
These rewards push my effective interest rate closer to 0%—forever.
If you buy bitcoin, you should be doing this.
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Wrapped our first earnings call as a public company last week. Fold is growing fast:
+44% revenue
+50% bitcoin treasury
+67% transaction volume
+324% new accounts
And now bringing Bitcoin to 150,000 retail locations nationwide via the Bitcoin Gift Card.
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Guess what comes next?
Fold and @Visa expand their partnership to accelerate Bitcoin rewards across debit and credit programs.
With $2.5B+ in transactions and $70M+ in Bitcoin rewards delivered, Fold aims to establish Bitcoin as the preferred reward for American consumers.
businesswire.com/news/home/2…
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It almost feels like GBTC was forced into a 150bps fee in order to gracefully wind it down and provide cheap sats for Blackrock.
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Amigos, tengo una propuesta. Durante la próxima semana bitcoin twitter solo podrá hablar español para enseñar a la comunidad y mostrar solidaridad con nuestro familia en latinoamérica. ¿Listo?
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Massive quarter for Fold.
Growth across the board, record bitcoin treasury, and big steps toward the most anticipated credit card in the industry.
Just getting started.
$FLD Q2 Results
- Revenue: $8.2 million, 59% YoY increase
- Net Income: $13.4 million
- New accounts up over 233% YoY
- Transaction volumes up 124% YoY
- Secured $250M equity purchase facility
- Bitcoin Treasury Holdings: 1,492 BTC / $160M
Full Press Release 👇
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Onward.
We’re excited to share that Fold is set to list on the NASDAQ as the first publicly traded financial services company powered by bitcoin.
We will enter the market with over 1,000 bitcoin in our treasury. $EMLD
businesswire.com/news/home/2…
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This is my quant
Ok, so here goes .... I have been somewhat vague and have attempted make these latest predictions seem like they could be explained by some system or knowledge of markets. This is not true. The truth is that I have a very specific prediction based on memories of something that happened 30 years ago, combined with thoughts which seem ever present in my mind. If Bitcoin were to close at 84,000 on March 14th, it will "run the table". I am not certain what that means ... I have a couple thoughts but there's no point unless somehow it actually closes at 84,000 today.
The truth is that I am becoming convinced that it may well do just that, and that the impossible odds of such a thing occurring means that I will have some explaining to do. If this occurs, I will likely take the rest of the month off and reach out to family members to let them know what I am planning to reveal. Believe me, I hope I am wrong about this because some people are definitely going to view me as mentally ill if they are non-believers or heretical if they are people of faith.
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I’m renovating my house right now and getting 3% back in bitcoin rewards from Home Depot.
That means the rewards alone should be worth more than the renovation in ~10 years at 40% cagr.
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If your rewards program doesn’t offer bitcoin rewards it will be as irrelevant as it is useless. cheddar.com/media/new-genera…
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The plan is to never stop stacking bitcoin.
We stack when you use the product and we stack by running the Saylor playbook— aggressively.
We’ve built an unstoppable stacking machine for our customers and shareholders.
Join us at $EMLD
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We don’t need more bitcoin exchanges.
We need bitcoin checking accounts.
Hold bitcoin, withdraw as cash from atms, pay bills and ccs with account and routing number and buy stuff with a debit card.
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Bitcoin Deposit starts rolling out next week on Fold.
Spend bitcoin using your Fold Card.
Pay your bills with bitcoin using your Fold Account & Routing Number.
Turn bitcoin into cash at any ATM.
Receive bitcoin from friends globally.
Get paid in bitcoin and convert to cash.
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Steak ’n Shake is the first great American brand adopting a Bitcoin standard.
Steak n Shake is announcing the creation of a Strategic Bitcoin Reserve. All payments received in Bitcoin will be placed in our SBR. 🚀
We are donating 210 sats from every Bitcoin meal we sell to Open Sats Initiative, Inc. over the next 12 months. 🧡
Make your Bitcoin Steakburger a delicious bargain when you purchase and register with Fold App — you get $5 in free Bitcoin, and instructions are provided on your receipt. ✅
Thank you, Bitcoiners, for helping change the trajectory of Steak n Shake, with a same-store sales increase of 15% in our most recent quarter — higher than ALL our competitors! 🍔🍟⚡️
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Our treasury isn’t just about increasing bitcoin per share—it’s a strategic foundation for the next generation of bitcoin-powered financial services.
It will be the backbone of everything we’re building.
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The Bitcoin Rewards Credit Card by Fold offers unlimited 2% back in Bitcoin.
At current growth rate, your rewards would more than cover all your spending in just 8 years—making everything effectively free.
At that point, BTC hits $1.15M. foldapp.com/credit-card
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This Bitcoin Rewards Credit Card by Fold is built for bitcoiners by bitcoiners-- an essential part of the bitcoin toolkit.
📣 Introducing the Fold Bitcoin Rewards Credit Card
It pays to be a Fold+ Credit Cardholder
☑️2% Unlimited Bitcoin Rewards
☑️Up to $250 Welcome Bonus
☑️Free Metal Card
Join and climb your way to the top of the waitlist. $200,000 of prizes await!
Sign-up link and blog 👇
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I’m proud of this team. We’re small, but mighty and go farther with less. In 6 months we've...
📱 Launched our app
💳 Teamed w/ Visa on a Bitcoin Rewards Card
🤝 Partnered w/ 100's of brands
⚡️ Launched one of the most active apps on LN
📈 Grew to ~300k monthly sessions
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I started my day with the Daily Spin.
In an hour, my DCA will hit.
Tonight, I earn bitcoin buying groceries.
In a week, I’m paid in bitcoin.
End of the month, I earn bitcoin on my bills.
Your money is waiting to be mined for bitcoin.
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It's only because a bitcoiner whispered in Trump's ear that he's now called for miner centralization in the US.
This will directly lead to other major world leaders calling for miner centralization in their own country.
The net effect of this is miner decentralization.
Please get it together.
OK, bitcoiner who is whispering in Trump's ear...We do not want hashrate centralization in the US. This should be obvious. Please get it together.
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The @fold_app community is on track to accumulate 1% of all new bitcoin minted everyday— and we’re only in limited beta.
We’ll cross 10% next year. What do you think happens post-halving?
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Your paycheck hits.
Pay off all your bills with an ACH transfer.
Put the rest into bitcoin with Direct to Bitcoin.
Congratulations. You're living on a bitcoin standard with zero taxable events.
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The government should be earning rewards in bitcoin on all their spending.
If the U.S. government ran its $39.7B in annual credit card spending through a 2% Bitcoin rewards card, it would stack ~8,926 BTC per year—at zero cost to taxpayers.
A budget-neutral way to accumulate Bitcoin.
Cc @DavidSacks @howardlutnick @SecScottBessent
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The Gang Builds a Metaverse.
Today we're announcing our partnership with @NianticLabs to build the bitcoin metaverse. Now, every 10 min a new block containing bitcoin, spins and rewards will spawn somewhere around you. Access to beta rolls out this week. blog.foldapp.com/the-metaver…
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The Bitcoin Checking Account by Fold gets a major update this week.
✅ Convert paycheck into bitcoin
✅ Hold in insured custody
✅ Buy stuff and pay any bill
✅ Pull cash from any ATM
✅ Receive bitcoin from anyone
✅ Withdraw to cold storage
What’s next?
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Bitcoin rewards are going to eat the $200,000,000,000 rewards market.
Satoshi: It could get started in a narrow niche like reward points.
Narrator: It did. businessinsider.com/personal…
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$FLD community's top 3 wishes for Fold in 2025
1. Clear treasury strategy & stack more
2. Bitcoin Gift Card in major retailers
3. Launch Bitcoin Credit Card
Anything I’m missing?
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A record 1,400,000,000 sats (~$250k) in rewards were withdrawn to self-custody today from @fold_app.
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Remember when Robinhood only let you withdraw your bitcoin by selling it for USD?
That’s exactly what the ETF is— just designed for boomers with brokerage accounts.
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About to go live to deliver Fold Q3 earnings.
🟢$7.4M revenue (+41% YoY)
🟢$0.6M net income
🟢+43% transaction volume
🟢1,526 bitcoin in treasury (+34 btc)
🟢~400 Steak ’n Shakes live
🟢~2,000 Kroger stores active
🟢Credit Card testing underway — and it’s amazing.
The foundation is set. Time to take off.
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Nothing better than hiring bitcoiners. We’ve got vision, conviction and drive like no other community out there.
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If they don’t let you take your bitcoin rewards with you, it’s not #bitcoin. Shout out to everyone who is doing it right.
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Bitcoin is really just a game.
We made a game about the game to get people to play the real game. It's called Bitopoly.
Wrench attacks, margin calls, mining farms, boating accidents and proof of keys— it has it all. Only 500 first editions available at playbitopoly.com
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Fold x Blackhawk goes live today.
Bitcoin is coming to a store near you—Fold's Bitcoin Gift Card™ is now enabled for 400,000+ retail and rewards locations across the U.S.
Bitcoin everywhere, for everyone.
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