Fold Holdings, Inc. (FLD) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.937 Good day and thank you for standing by. Welcome to the Fold Holdings Third Quarter 2025 00:00:03.937 -- 00:00:07.923 Earnings Call. At this time, all participants are in a listen-only mode. 00:00:07.923 -- 00:00:10.867 After the speaker's presentation, there will be a question and answer session. 00:00:10.867 -- 00:00:14.192 To ask a question during the session, you'll need to press star 1-1 on your telephone. 00:00:14.192 -- 00:00:17.036 You will then hear an automated message advising your hand is raised. 00:00:17.036 -- 00:00:19.841 To withdraw your question, please press star 1-1 again. 00:00:19.841 -- 00:00:22.465 Please be advised today's conference is being recorded. 00:00:22.465 -- 00:00:24.327 I will now turn the conference over to your speaker today. 00:00:24.327 -- 00:00:27.249 Samira Jain, please go ahead. 00:00:28.614 -- 00:00:32.446 Thank you, Operator. Good afternoon, and thank you for joining us for Fold Holdings' 00:00:32.446 -- 00:00:37.853 third quarter 2025 earnings call. Joining me on the call today are Chairman and CEO 00:00:37.853 -- 00:00:43.341 Will Reeves and CFO Wolf Repass. Before we begin, please note that the information 00:00:43.341 -- 00:00:48.067 reported on this call speaks only as of today, November 10, 2025, 00:00:48.067 -- 00:00:52.674 and therefore, any time-sensitive information may no longer be accurate as of the time 00:00:52.674 -- 00:00:56.461 of any future replay, listing, or transcript reading. 00:00:56.461 -- 00:01:03.327 A replay of today's call will be available by webcast on the company's website at www.investor.foldapp.com. 00:01:04.510 -- 00:01:08.655 And more information on how to access this replay feature will be included in the company's 00:01:08.655 -- 00:01:13.200 earnings re...