One account, stacking sats together

We’ve had thousands of requests for this over the years, and we’re excited to announce that it’s finally happening! You can now add authorized users to your Fold account, giving them their own dedicated Fold card.

This is huge!

Achieving bitcoin savings goals is not always an individual task; it’s often a team effort. And now, you no longer have to manage your bitcoin in isolation.

Whether you’re sharing responsibilities with a partner, caring for a parent, or collaborating with family members, we’ve got you covered. Fold is now a bitcoin personal finance solution for families.

How to add users

Primary Fold and Fold+ account holders can now add up to three authorized users. To get started:

Open the primary account holder's app
Find "Authorized User" in your settings and fill out the required information
Wait for your card to arrive
Activate, and you’re good to go!

For Fold cardholders, your authorized users will earn bitcoin rewards on eligible purchases, stacking sats under the primary account!

This is not a joint account with separate logins. Authorized users will need to coordinate with the primary account holder for bitcoin push to card funding, bank deposits, etc. Authorized users must be 18 years of age or older. If someone already has a Fold account, they will be denied as an authorized user. To resolve this, please contact support.

One Account, Stacking Sats Together

Let's explore how you and your family can make the most of a Fold account. As the primary user, you could already:

Develop a bitcoin buying strategy through recurring purchases, automatically splitting direct deposits, or instant buys
Earn rewards on gift cards, with the option to send a gift card via email
Coordinate bill payments, earning up to 1.5% back in rewards on ACH payments with a Fold+ plan.

Now you can have three authorized users with their own card. For Fold cardholders, that means three separate cards earning sats on everyday purchases.

Up to 1.5% back on category boosts like restaurants and bars, up to 15% back with popular merchant boosts, and 0.5% back on all other eligible purchases for Fold+ members.

And account holders can easily monitor spending. When your authorized user(s) makes a purchase, their first name will appear in your transaction history next to the details of the transaction. This information will only be available to account holders.

Allowing your spouse, partner, or other family members to collectively stack sats—on one unified account—is convenient. But more importantly, this new feature can help normalize bitcoin in a household.

Bitcoin rewards are a Trojan horse for curiosity; an entrance to the rabbit hole. And now, the ability to add users to your account further reduces the friction of onboarding those close to you.

As always, thank you for being a valued member of the Fold community. We're bullish on bitcoin personal finance for families and excited to hear how you'll use this new feature.

The Fold Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A.. Inc. Visa is a registered trademark of Visa, U.S.A., Inc. All other trademarks and service marks belong to their respective owners. 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 account holder's funds held at Sutton Bank. Reward Accounts and bitcoin are not FDIC or SIPC insured. Bitcoin involves certain risks and may lose value.

BitGo and Fortress Trust provide Bitcoin services. See BitGo Terms of Use here, and Fortress Terms of Use here.

Fold, Inc. 11201 N Tatum Blvd Ste 300, #42035, Phoenix, AZ 85028-60399