Buy, save & earn bitcoin. All in one app.

Most apps treat bitcoin like a feature. Fold is built around it. Buying, saving, and self-custody live in one money app, with simple habits doing a lot of the work.

Get started in minutes
Bitcoin balance of $110,732.85, up 2.17% today, in the Fold app

An accumulation account, not a trading floor.

BUY INSTANTLY

Smash buy in seconds

Buy bitcoin instantly from your linked bank account or your Fold cash balance.

Buy bitcoin screen with quick amounts from $10 to $200 in the Fold app

AUTO-STACK

Dollar-cost average on autopilot

Set a recurring buy on the schedule that fits your life: daily, weekly, or monthly. Discipline compounds in the background while you go about your day.

Auto-stack recurring $100.00 bitcoin purchase in the Fold app

ROUND UPS

Stack sats from spare change

Every Fold Card purchase rounds up to the nearest dollar. When the spare change hits $10, it is eligible to convert to bitcoin. Add a multiplier to speed things up.

Round ups with a 2x multiplier in the Fold app

GET PAID IN BITCOIN

Convert your paycheck, your way

Split direct deposit between bitcoin and cash, or go all-in on a bitcoin standard. You set the ratio, Fold handles the conversion.

Direct deposit split set to 50% bitcoin in the Fold app

INSURED CUSTODY

Cold storage with $250M in insurance

Your bitcoin sits in institutional-grade cold storage with BitGo, covered by $250M in insurance. Audited, fully reserved, and ready when you want it.

The $250M is an insurance policy held by BitGo, not by Fold or by you. It is not FDIC or SIPC insurance and is not related to FDIC insurance. It covers certain losses of bitcoin held in BitGo's cold storage custody, such as theft, and is not a per-customer amount. It does not protect against changes in the price of bitcoin. Coverage is subject to the policy's terms, limits, and exclusions.

BitGo

How it works

Step 1: Open a Fold account

Sign up and verify your identity in minutes. No prior crypto experience required.

Step 2: Fund your balance

Link a debit card, set up direct deposit, or transfer from another account. You decide how money moves in.

Step 3: Stack on your terms

Buy on demand, schedule recurring buys, round up spare change, or do all three. Your bitcoin grows the way you want it to.

Everything your money should be doing.

Spend, save, give, and grow. All while earning bitcoin.

  • Visa-backed
  • Bitcoin secured by BitGo
  • Available in the U.S.

Build a better future.

Don't just bet on it. Build it, bit by bit. Sign up for Fold to buy bitcoin, earn on every purchase, and manage your stack in one money app.