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Personal finance
powered by bitcoin

USD may be FDIC Insured*
BitGo Insured**
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Fold is a financial services platform and not a FDIC insured bank. If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Coverage limit is subject to aggregation of that accountholder's funds held at Sutton Bank.
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Fold is a financial services platform and not a an FDIC insured bank. FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. If you have a Fold Card, up to $250,000 of your balance is covered by FDIC insurance on a pass-through basis through Sutton Bank, Member FDIC, if certain conditions have been met. Bitcoin assets are not FDIC insured.
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Bitcoin has increased over 1,000% in 5 years.

Bitcoin is the best performing asset of the decade. It’s time to ditch the points and miles and start building wealth.
Price of bitcoin according to market cap and price over time. Investing and purchasing bitcoin involves risk; it may lose value.
A colorful gradient wave in a 3d design with a bitcoin on it

Get paid up to 3 days early

Split your paycheck between cash and bitcoin.
Time may vary depending on your payroll company.

Buy bitcoin with zero fees

Activate instant buys, recurring buys and round ups. Send to any wallet for free.
Fold+ subscribers pay zero fees when buying bitcoin on Fold; standard network fee might apply.

Pay bills, get rewards

Pay off your mortgage, credit card, and other bills. Get rewards on eligible payments.

Earn rewards on everything

Earn rewards for swiping your Fold Card, paying your bills and shopping at your favorite merchants.
5,000 sats
17,230 sats
560 sats
Fold Card issued by Sutton Bank.
Rewards subject to terms and conditions.
560 sats
17,230 sats
5,000 sats
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Pull out cash from ATMs

Pull out physical cash at any ATM with no added fees.
Fold+ subscribers pay zero added fees when making ATM withdrawals; standard fees may apply.

Rest easy with insured custody

Your USD may be FDIC Insured and your bitcoin is BitGo Insured.*
Fold is a financial services platform and not a FDIC insured bank. If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Coverage limit is subject to aggregation of that accountholder's funds held at Sutton Bank.

Our users
have stacked over

68,026,848,696 sats

since Fold launched in 2019. That’s 46,130,272!
DON'T TRUST VERIFY

See what our users have to say

I earn sats passively using the @fold_app. When 1 sat=$1 this will have been the best thing I ever promoted to my friends.

Chris Love
@ChrisLoveHere

To wrap up, if you made it this far, thanks for reading. I've had a fantastic experience using Fold so far. I've really loved being able to keep 100% of my money in Bitcoin; they've made it practical. It may not be for everyone, but I'm happy to answer any additional questions

HFSP.eth | ₿itcoin Only
@elliot_BTC

Went to $HD earlier this morning for some garden things. I was like, “wait, is there a @fold_app. Home Depot gift card?!” Yes. Yes there is. Earn #Bitcoin. DAILY. https://use.foldapp.com/r/OHKAAALENO

Fold has become the best place to buy Bitcoin. You can also earn sats on each purchase. Not to mention all the new gift card merchants they’ve added. Definitely worth checking out if you like stacking.

MrPappagiorgio⚡️
@MrPappagorgio02

WAKE UP // STACK SPIN FOLD // STACK BREAKFAST // STACK SMASH BUY // STACK LUNCHTIME // STACK LUMP SUM // STACK AUTO // STACK PASS OUT // STACK

SATYOSHI ⚡️ NAKAMARIO
@satyoshiHODL

@fold_app⁩ I’ve got auto stack and round ups turned on!!! Stacking sats everyday… Get your fold app and card today!!

Not surprising! @fold_app is the greatest personal budgeting and financial tool I have ever had. Using for years and all rewards have gone to my retirement…and are not an insignificant contribution.

Drought 🟧
@sunnycan

Come earn sats the easy way, buy bitcoin with the best spread, push your bitcoin to your card for purchases and earn spins for more sats doing all of that!! #getonzerohttps://use.foldapp.com/r/STACKWITHJBEAR

Jbear is debt free!
@jonlee88

Roundups working as intended. Just checked and I have 58,306 sats that I had no idea about from using @fold_app regularly.

Tatum Turn Up - Mining is centralized
@tatumturnup

I earn sats passively using the @fold_app. When 1 sat=$1 this will have been the best thing I ever promoted to my friends.

Chris Love
@ChrisLoveHere

To wrap up, if you made it this far, thanks for reading. I've had a fantastic experience using Fold so far. I've really loved being able to keep 100% of my money in Bitcoin; they've made it practical. It may not be for everyone, but I'm happy to answer any additional questions

HFSP.eth | ₿itcoin Only
@elliot_BTC

Went to $HD earlier this morning for some garden things. I was like, “wait, is there a @fold_app. Home Depot gift card?!” Yes. Yes there is. Earn #Bitcoin. DAILY. https://use.foldapp.com/r/OHKAAALENO

Fold has become the best place to buy Bitcoin. You can also earn sats on each purchase. Not to mention all the new gift card merchants they’ve added. Definitely worth checking out if you like stacking.

MrPappagiorgio⚡️
@MrPappagorgio02

WAKE UP // STACK SPIN FOLD // STACK BREAKFAST // STACK SMASH BUY // STACK LUNCHTIME // STACK LUMP SUM // STACK AUTO // STACK PASS OUT // STACK

SATYOSHI ⚡️ NAKAMARIO
@satyoshiHODL

@fold_app⁩ I’ve got auto stack and round ups turned on!!! Stacking sats everyday… Get your fold app and card today!!

Not surprising! @fold_app is the greatest personal budgeting and financial tool I have ever had. Using for years and all rewards have gone to my retirement…and are not an insignificant contribution.

Drought 🟧
@sunnycan

Come earn sats the easy way, buy bitcoin with the best spread, push your bitcoin to your card for purchases and earn spins for more sats doing all of that!! #getonzerohttps://use.foldapp.com/r/STACKWITHJBEAR

Jbear is debt free!
@jonlee88

Roundups working as intended. Just checked and I have 58,306 sats that I had no idea about from using @fold_app regularly.

Tatum Turn Up - Mining is centralized
@tatumturnup

I earn sats passively using the @fold_app. When 1 sat=$1 this will have been the best thing I ever promoted to my friends.

Chris Love
@ChrisLoveHere

To wrap up, if you made it this far, thanks for reading. I've had a fantastic experience using Fold so far. I've really loved being able to keep 100% of my money in Bitcoin; they've made it practical. It may not be for everyone, but I'm happy to answer any additional questions

HFSP.eth | ₿itcoin Only
@elliot_BTC

Went to $HD earlier this morning for some garden things. I was like, “wait, is there a @fold_app. Home Depot gift card?!” Yes. Yes there is. Earn #Bitcoin. DAILY. https://use.foldapp.com/r/OHKAAALENO

Fold has become the best place to buy Bitcoin. You can also earn sats on each purchase. Not to mention all the new gift card merchants they’ve added. Definitely worth checking out if you like stacking.

MrPappagiorgio⚡️
@MrPappagorgio02

WAKE UP // STACK SPIN FOLD // STACK BREAKFAST // STACK SMASH BUY // STACK LUNCHTIME // STACK LUMP SUM // STACK AUTO // STACK PASS OUT // STACK

SATYOSHI ⚡️ NAKAMARIO
@satyoshiHODL

@fold_app⁩ I’ve got auto stack and round ups turned on!!! Stacking sats everyday… Get your fold app and card today!!

Not surprising! @fold_app is the greatest personal budgeting and financial tool I have ever had. Using for years and all rewards have gone to my retirement…and are not an insignificant contribution.

Drought 🟧
@sunnycan

Come earn sats the easy way, buy bitcoin with the best spread, push your bitcoin to your card for purchases and earn spins for more sats doing all of that!! #getonzerohttps://use.foldapp.com/r/STACKWITHJBEAR

Jbear is debt free!
@jonlee88

Roundups working as intended. Just checked and I have 58,306 sats that I had no idea about from using @fold_app regularly.

Tatum Turn Up - Mining is centralized
@tatumturnup

I earn sats passively using the @fold_app. When 1 sat=$1 this will have been the best thing I ever promoted to my friends.

Chris Love
@ChrisLoveHere

To wrap up, if you made it this far, thanks for reading. I've had a fantastic experience using Fold so far. I've really loved being able to keep 100% of my money in Bitcoin; they've made it practical. It may not be for everyone, but I'm happy to answer any additional questions

HFSP.eth | ₿itcoin Only
@elliot_BTC

Went to $HD earlier this morning for some garden things. I was like, “wait, is there a @fold_app. Home Depot gift card?!” Yes. Yes there is. Earn #Bitcoin. DAILY. https://use.foldapp.com/r/OHKAAALENO

Fold has become the best place to buy Bitcoin. You can also earn sats on each purchase. Not to mention all the new gift card merchants they’ve added. Definitely worth checking out if you like stacking.

MrPappagiorgio⚡️
@MrPappagorgio02

WAKE UP // STACK SPIN FOLD // STACK BREAKFAST // STACK SMASH BUY // STACK LUNCHTIME // STACK LUMP SUM // STACK AUTO // STACK PASS OUT // STACK

SATYOSHI ⚡️ NAKAMARIO
@satyoshiHODL

@fold_app⁩ I’ve got auto stack and round ups turned on!!! Stacking sats everyday… Get your fold app and card today!!

Not surprising! @fold_app is the greatest personal budgeting and financial tool I have ever had. Using for years and all rewards have gone to my retirement…and are not an insignificant contribution.

Drought 🟧
@sunnycan

Come earn sats the easy way, buy bitcoin with the best spread, push your bitcoin to your card for purchases and earn spins for more sats doing all of that!! #getonzerohttps://use.foldapp.com/r/STACKWITHJBEAR

Jbear is debt free!
@jonlee88

Roundups working as intended. Just checked and I have 58,306 sats that I had no idea about from using @fold_app regularly.

Tatum Turn Up - Mining is centralized
@tatumturnup