Fold is a bitcoin-focused financial services platform that provides consumers with an integrated system to accumulate, save, and spend bitcoin within their everyday financial lives. Its core offerings include an FDIC-insured checking account, Visa prepaid and bitcoin rewards debit cards, bitcoin custody and trading services, and a rewards network that returns bitcoin to customers on their purchases through merchant partnerships and in-app incentives. The company generates revenue through bitcoin transaction processing fees, card rewards funded by merchant partners, and credit card program economics, targeting affluent and financially sophisticated consumers who view bitcoin as a long-term wealth preservation asset. Fold differentiates itself by combining mainstream financial products—checking accounts, debit cards, and rewards programs—with bitcoin functionality, positioning itself as an accessible on-ramp to bitcoin for retail consumers through both direct-to-consumer and employer/retail partnership channels.