Fold is a bitcoin-focused consumer fintech company that embeds bitcoin rewards into everyday financial products. The core idea is simple: use a Fold debit or credit card, buy gift cards, or route your paycheck through Fold, and you accumulate bitcoin as a byproduct. Fold's primary product is its Visa prepaid debit card, linked to an FDIC-insured checking account, which earns bitcoin rewards on purchases — up to 15%+ on card-linked merchant offers and up to 20% back on gift card purchases. Fold launched a Visa credit card in March 2026, targeting prime and super-prime consumers, offering 1.5% back in bitcoin with higher rates for customers who engage more deeply with the platform. Beyond cards, Fold's app lets customers buy, sell, and hold bitcoin via a partnership with BitGo, with features like recurring buys, direct deposit conversion to bitcoin, and debit card round-ups. Fold is bitcoin-only — no other crypto assets — which it argues resonates with a specific consumer segment. Fold earns revenue through card interchange fees, bitcoin trading spreads, merchant affiliate commissions, and gift card processing fees. Fold also holds bitcoin on its corporate balance sheet as a treasury asset, with 827 bitcoin in its Investment Treasury as of March 2026. As of end of 2025, Fold had nearly 84,000 verified accounts, skewing affluent, with 71% earning over $100K annually.