Risk factors

Fold Holdings (FLD) risk factors

Item 1A of every Fold Holdings, Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    104 risks, 104 new, 85 dropped since the prior year. Fold Holdings expanded its product suite with the Fold Credit Card and Employee Bitcoin Bonus program while maintaining a significant bitcoin treasury.

    Filed Mar 17, 2026
  • FY2024 10-K risk factors

    85 risks. Fold Holdings is heavily exposed to Bitcoin price volatility, regulatory uncertainty, and reliance on banking partners like Sutton Bank. The company maintains significant Bitcoin reserves in treasury and relies on third-party custodians like BitGo and Fortress.

    Filed Mar 28, 2025