Fold CEO Outlines Strategic Upgrades for 2026
Yesterday Fold filed an 8K with a letter from Chairman and CEO, Will Reeves, to Fold customers. "As we look ahead to 2026, we are simplifying Fold and returning to first principles. This is not a change in direction. It is a deepening of what we have always believed. A financial platform to help people move forward... The past year was one of progress and rebuilding. We had an incredible year... Over the course of the year, we strengthened the team, improved governance, and are nearing the completion of our first full year as a public company. We have an engaged board and a growing base of long-term shareholders who share our conviction in bitcoin as a future savings standard... In 2026, Fold will undergo the following structural upgrades. Each is guided by the same principle: remove friction and align incentives with long-term progress... Fold is being built in order to position bitcoin as a core asset of American families and businesses. Not as a niche investment or a speculative trade, but as a foundational financial tool. One that earns the same cultural and financial trust once reserved for the savings account, the money market fund, the retirement account, Social Security, and the pension systems."
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New Credit Card Launch: Fold Holdings has introduced a new credit card that offers a unique feature of up to 4% Bitcoin back on monthly purchases.
No Annual Fee: The newly launched credit card does not have an annual fee, making it an attractive option for consumers interested in earning cryptocurrency rewards.
- Market Trends: The focus is shifting towards simpler and more competitive pricing strategies in the market.
- Consumer Impact: These changes in pricing are expected to enhance consumer choice and affordability.

- Return of Pro-Rated Subscription Fees: Fold Holdings Inc. plans to reinstate pro-rated subscription fees for all existing Fold+ members.
- Timing of Implementation: The reinstatement of these fees is expected to occur later in the first quarter.
- Bitcoin Price Recovery: Bitcoin's price nearing $88,700 has boosted the performance of crypto-linked stocks, although some stocks remain under pressure, indicating a divergence in market sentiment.
- Strong GameStop Performance: GameStop (GME) closed up 4.44% and continued to rise in after-hours trading as investor Michael Burry increased his stake, reflecting optimistic market sentiment about its future prospects.
- Strategy Stock Decline: Strategy (MSTR) fell 1.55% due to the announcement of additional equity sales related to its Bitcoin accumulation strategy, although it slightly rebounded after hours, highlighting investor concerns over dilution risks.
- Other Stocks Struggling: Stocks like CleanSpark (CLSK), ALT5 Sigma (ALTS), Bakkt (BKKT), and KULR remained in negative territory despite an overall market recovery, indicating a lack of confidence in these equities.
Inclusion in Index: Fold Holdings (FLD), a bitcoin-focused financial services company, has been added to the Russell 2000 Index.
Capital Allocation Concerns: There are emerging concerns regarding capital allocation strategies for Fold Holdings, Inc.
Quant Rating: Seeking Alpha has provided a Quant Rating for Fold Holdings, Inc., reflecting its financial performance and market position.
Historical Earnings Data: The article includes historical earnings data and financial information relevant to Fold Holdings, Inc.







