Fold Holdings, Inc. 8-K

What Happened
On January 27, 2026, Fold Holdings, Inc. (FLD) filed a Form 8-K under Item 7.01 (Regulation FD Disclosure) to furnish a customer letter outlining the company’s intentions for the coming year. The letter discusses, among other items, information about an anticipated upcoming credit card offering. The customer letter is included as Exhibit 99.1 to the 8-K.

Key Details

• Filing date: January 27, 2026; 8-K reports a Regulation FD disclosure (Item 7.01).
• Document furnished: Customer Letter of Fold Holdings, Inc., dated January 27, 2026 (Exhibit 99.1).
• Primary topic disclosed: Fold’s intentions for the upcoming year, including information regarding an anticipated upcoming credit card.
• The filing furnishes the letter (Reg FD) but does not attach additional financial statements or detailed product terms in the 8-K.

Why It Matters
This 8-K signals Fold is publicly communicating product plans (notably a credit card) to customers and investors, which could affect the company’s growth strategy, revenue mix, and customer engagement if launched. Because the filing furnishes a letter under Regulation FD, the information was broadly disclosed; investors should review Exhibit 99.1 for specifics and watch for subsequent filings or announcements that provide launch timing, card terms, financial impacts, or regulatory details.