Fold | Personal finance powered by bitcoin
foldapp.comSummary
Fold is a personal finance platform that allows users to earn Bitcoin rewards on everyday spending through its prepaid debit card. It offers features like early direct deposit, commission-free Bitcoin purchases, and the ability to round up spare change into Bitcoin, aiming to integrate Bitcoin into daily financial habits.
Features7/12
See allMust Have
3 of 5
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Bitcoin Trading
Instant P2P Transfers
Commission-Free Stock Trading
Other
4 of 7
Fraud Monitoring & Security
Round-Up Savings
Instant Discounts & Offers
ATM Access & Fee Reimbursement
High-Yield Savings
Pay Over Time (Afterpay)
Customizable Card Designs
PricingFreemium
See allFold Member
- Fold Debit Card
- Buy and sell bitcoin with low fees (1.5% fee for instant buys, 1.0% for sells, auto-stack, direct deposit conversions, round-ups)
- Gift card rewards and wheel spins
- Early direct deposit (up to 3 days early)
- Pull out cash from ATMs (standard fees may apply)
- Insured custody (USD FDIC Insured, Bitcoin BitGo Insured)
- Round up spare change into bitcoin
- Low fees on bitcoin buys/sells (not zero)
- Standard network fees may apply for bitcoin transactions
- Standard ATM fees may apply
- Lower rewards on gift cards and merchant boosts
- No ACH bill pay rewards
- No international fees
Fold+ Members
- Fold Debit Card
- Buy and sell bitcoin with zero fees (standard network fee might apply)
- Up to 1.5% back with ACH bill pay rewards
- Gift card rewards and up to 15% back on merchant boosts
- 1.5% back on categories like dining and travel
- 0.5% on all other eligible purchases
- Add up to 3 authorized users
- Insured bitcoin deposits
- Send and receive bitcoin (on-chain)
- Up to 20% back on gift cards
- 2.25% back on Amazon gift cards
- Buy bitcoin instantly (zero fees)
- Sell bitcoin instantly (Push to Card) (zero fees)
- Dollar cost average bitcoin (Auto-Stack) (zero fees)
- Direct deposit bitcoin conversions (zero fees)
- Round up spare change into bitcoin (zero fees)
- 1.5% back on top category boosts
- Up to 15% back on merchant boosts
- 0.5% back on all other eligible purchases
- No international fees
- No ATM fees
- Win up to a full bitcoin
Rationale
Fold offers a prepaid debit card that earns Bitcoin rewards, early direct deposit, and the ability to buy and sell Bitcoin. It also mentions ATM access, round-up savings, and security features. While it doesn't explicitly offer P2P transfers or stock trading, its core features align well with the concept of a mobile-first financial platform with crypto integration.
