Fold: Bitcoin Personal Finance

Fold: Bitcoin Personal Finance puts bitcoin rewards and banking tools in your hands. Buy, sell, and send bitcoin with no fees as a premium member, earn bitcoin on everyday spending, and manage all your finances in one app.

TAKE CONTROL WITH BITCOIN REWARDS Earn bitcoin back on every purchase with the Fold Visa Prepaid Debit Card. Load up the card for free and start accumulating bitcoin rewards across eligible merchants and exclusive categories. Stack bitcoin automatically using round-ups—each purchase rounds up to the nearest dollar and converts the difference to bitcoin. For those with a disciplined savings plan, set up dollar-cost averaging to invest a fixed amount at regular intervals without manual effort.

PAY BILLS AND EARN REWARDS Use your Fold account and routing numbers to pay all your bills directly from the app. Mortgage payments, rent, utilities, and credit card bills earn you up to 1.5% back in bitcoin, turning your biggest monthly expenses into rewards. Popular gift cards purchased through the app also earn extra bitcoin, giving you another avenue to accumulate crypto on spending you were already planning.

BANKING FEATURES BUILT FOR YOU Get paid up to 3 days early with direct deposit into your Fold Card account. Choose to receive your full paycheck in bitcoin, in USD, or split between both—making it simple to build your crypto holdings without extra steps. Withdraw cash at ATMs without fees, and make international transfers without the typical surcharges that drain your balance.

SECURE AND INSURED Your USD holdings are protected by FDIC insurance through Sutton Bank, and your bitcoin is insured by BitGo against key theft and custodial risks. You control how much crypto you want to hold, knowing both your traditional and digital assets have institutional-grade protections.

FOLDING FINANCE INTO ONE APP Whether you're new to bitcoin or an experienced holder, Fold: Bitcoin Personal Finance streamlines earning, spending, and banking. Premium members eliminate trading fees and unlock zero-fee ATM withdrawals, making it cheaper and faster to move between bitcoin and fiat. Start free with the Fold Card and explore how small, consistent rewards compound over time.