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<p>Fold Holdings (NASDAQ:FLD) reported a challenging Q1 2026, with revenues down 21% year-over-year due to lower Bitcoin prices. The company launched the Fold Credit Card, gaining over 1,000 cardholders, and is restructuring its Bitcoin gift card economics to reduce fees. Operating expenses decreased by 19%, but adjusted EBITDA was negative $5.8 million. Despite industry challenges, Fold is optimistic about scaling its credit card and gift card programs, ending the quarter with $11.5 million in cash.</p>

- Fold Holdings reported a challenging Q1 2026, with a 31% decrease in transaction volumes and a 21% drop in revenues due to lower Bitcoin prices.  
- The company launched the Fold Credit Card, which has over 1,000 cardholders, and is optimistic about significant growth from both this and the restructured Bitcoin gift card program.  
- Despite a net loss of $29.2 million, Fold remains focused on scaling its credit card and gift card initiatives, aiming to position itself as a leading financial rewards platform.

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Fold Holdings Reports Q1 2026 Results: Full Earnings Call Transcript