I’ve been using Fold since they were just an app for buying Starbucks cards with bitcoin. I had really high hopes for their debit card, but between the annual fees, their lack of Lightning support, their removal of free instant deposits, and most recently, the halving of the Amazon gift card reward, I’m not seeing much of a benefit anymore.

I guess I’m not getting the most out of the bill pay feature. Doesn’t that rely exclusively on PayPal?