{"url_path":"/sec/kcrd/10-k/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-K","doc_date":"2026-05-19","source_url":"https://www.sec.gov/Archives/edgar/data/1696025/0001477932-26-003300-index.html","accession_number":"0001477932-26-003300","cik":"0001696025","ticker":"KCRD","issuer_name":"Kindcard, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/1696025/0001477932-26-003300-index.html","primary_entity_key":"0001696025","primary_entity_name":"Kindcard, Inc."},"word_count":1499,"has_tables":true,"body_markdown":"kcrd_10k.htm\n0001696025false--01-31FY2026false0.00120000000098170000103580799falsefalsefalsefalse\n\n \n\n \n\n**January 31,**\n\n**2026**\n\n \n\n \n\n**January 31,**\n\n**2025**\n\n \n\nFederal\n\n \n\n \n\n \n\n \n\n \n\n \n\nCurrent\n\n \n$-\n \n\n \n$-\n \n\nDeferred\n\n \n\n \n-\n \n\n \n\n \n-\n \n\nTotal\n\n \n$-\n \n\n \n$-\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\nState\n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\nCurrent\n\n \n$-\n \n\n \n$-\n \n\nDeferred\n\n \n\n \n-\n \n\n \n\n \n-\n \n\nTotal\n\n \n$-\n \n\n \n$-\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\nForeign\n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\nCurrent\n\n \n$-\n \n\n \n$-\n \n\nDeferred\n\n \n\n \n-\n \n\n \n\n \n-\n \n\nTotal\n\n \n$-\n \n\n \n$-\n \n\nProvision for Income Taxes\n\n \n$-\n \n\n \n$-\n \n\n \n\n \n\n**January 31,**\n\n**2026**\n\n \n\n \n\n**January 31,**\n\n**2025**\n\n \n\nComputed expected tax\n\n \n$-\n \n\n \n\n \n**-**\n \n\nState taxes, net of federal effect\n\n \n\n \n-\n \n\n \n\n \n-\n \n\nImpacts of the Act\n\n \n\n \n-\n \n\n \n\n \n-\n \n\nEarnings of foreign subsidiaries\n\n \n\n \n-\n \n\n \n\n \n-\n \n\nForeign-derived 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STATES**\n\n**SECURITIES AND EXCHANGE COMMISSION**\n\n**WASHINGTON, D.C. 20549**\n\n \n\n**FORM 10-K**\n\n \n\n**☒**\n\n**ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**For the Fiscal Year Ended January 31, 2026**\n\n \n\n**☐**\n\n**TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**For the transaction period from __________ to __________**\n\n \n\n**Commission File No. 000-56003**\n\n \n\n**KINDCARD, INC.**\n\n(Exact name of registrant as specified in its charter)\n\n \n\n** Nevada**\n\n \n\n**81-4520116**\n\n(State or other jurisdiction of\n\n incorporation or organization)\n\n \n\n(I.R.S. Employer\n\n Identification No.)\n\n \n\n**1001 Yamato Road, #100**\n\n**Boca Raton, Florida, 33431**\n\n(Address of principal executive offices, Zip Code)\n\n \n\n**(888) 888-0708**\n\n(Registrant’s telephone number, including area code)\n\n \n\nSecurities registered pursuant to Section 12(b) of the Exchange Act:\n\n \n\n**Title of each class**\n\n \n\n**Trading Symbol(s)**\n\n \n\n**Name of each exchange on**\n\n**which registered**\n\nNone\n\n \n\nN/A\n\n \n\nN/A\n\n \n\nSecurities registered pursuant to section 12(g) of the Act:\n\n \n\n**Common stock, par value $0.001 per share**\n\n(Title of class)\n\n \n\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. ☐ Yes     ☒ No\n\n \n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. ☐ Yes     ☒ No\n\n \n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes     ☐ No\n\n \n\nIndicate by check mark whether the registrant has submitted electronically, if any, every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes     ☐ No\n\n \n\nIndicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§ 229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. ☐\n\n \n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.\n\n \n\nLarge accelerated filer\n\n☐\n\nNon-accelerated Filer\n\n☐\n\nAccelerated filer\n\n☐\n\nSmaller reporting company\n\n☒\n\n \n\n \n\nEmerging growth company.\n\n☐\n\n \n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). ☐ Yes     ☒ No\n\n \n\nAs of July 31, 2025, the last business day of the Registrant’s most recently completed second fiscal quarter, the market value of our common stock held by non-affiliates was $459,263.\n\n \n\nAs of May 18, 2026, there were 103,580,799 shares of the Registrant’s common stock, par value $0.001 per share, outstanding.\n\n \n\n \n\n \n\n \n\n**KINDCARD, INC.**\n\n **FORM 10-K ANNUAL REPORT**\n\n \n\nTABLE OF CONTENTS\n\n \n\n**PART I**\n\n \n\n \n\n1\n\n \n\n[Item 1.](#i1)\n\n[Business](#i1)\n\n \n\n1\n\n \n\n[Item 1A.](#i1a)\n\n[Risk Factors](#i1a)\n\n \n\n5\n\n \n\n[Item 1B.](#i1b)\n\n[Unresolved Staff Comments](#i1b)\n\n \n\n5\n\n \n\n[Item 2.](#i2)\n\n[Properties](#i2)\n\n \n\n5\n\n \n\n[Item 3.](#i3)\n\n[Legal Proceedings](#i3)\n\n \n\n5\n\n \n\n[Item 4.](#i4)\n\n[Mine Safety Disclosure](#i4)\n\n \n\n5\n\n \n\n**PART II**\n\n \n\n \n\n6\n\n \n\n[Item 5.](#i5)\n\n[Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities](#i5)\n\n \n\n6\n\n \n\n[Item 6.](#i6)\n\n[Selected Financial Data](#i6)\n\n \n\n7\n\n \n\n[Item 7.](#i7)\n\n[Management’s Discussion and Analysis of Financial Condition and Results of Operations](#i7)\n\n \n\n7\n\n \n\n[Item 7A.](#i7a)\n\n[Quantitative and Qualitative Disclosures About Market Risk](#i7a)\n\n \n\n16\n\n \n\n[Item 8.](#i8)\n\n[Financial Statements](#i8)\n\n \n\n16\n\n \n\n[Item 9.](#i9)\n\n[Changes in and Disagreements With Accountants on Accounting and Financial Disclosure](#i9)\n\n \n\n16\n\n \n\n[Item 9A.](#i9a)\n\n[Controls and Procedures](#i9a)\n\n \n\n16\n\n \n\n[Item 9B.](#i9b)\n\n[Other Information](#i9b)\n\n \n\n18\n\n \n\n**PART III**\n\n \n\n \n\n19\n\n \n\n[Item 10.](#i10)\n\n[Directors, Executive Officers and Corporate Governance](#i10)\n\n \n\n19\n\n \n\n[Item 11.](#i11)\n\n[Executive Compensation](#i11)\n\n \n\n21\n\n \n\n[Item 12.](#i12)\n\n[Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters](#i12)\n\n \n\n23\n\n \n\n[Item 13.](#i13)\n\n[Certain Relationships and Related Transactions, and Director Independence](#i13)\n\n \n\n23\n\n \n\n[Item 14.](#i14)\n\n[Principal Accountant Fees and Services](#i14)\n\n \n\n24\n\n \n\n[Item 15.](#i15)\n\n[Exhibits](#i15)\n\n \n\n25\n\n \n\n \n\n[Signatures](#sign)\n\n \n\n26\n\n \n\n \n\n \n\nii\n\n \n\n \n\n**PART I**\n\n \n\n**FORWARD-LOOKING STATEMENTS**\n\n \n\n*THIS ANNUAL REPORT ON FORM 10-K CONTAINS “FORWARD-LOOKING STATEMENTS” WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995, SECTION 27A OF THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES ACT, AND SECTION 21E OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED (THE “EXCHANGE ACT”). FORWARD-LOOKING STATEMENTS DISCUSS MATTERS THAT ARE NOT HISTORICAL FACTS. CERTAIN STATEMENTS IN THIS ANNUAL REPORT MAY CONSTITUTE “FORWARD LOOKING STATEMENTS”. WHEN THE WORDS “BELIEVES”, “ANTICIPATES”, “INTENDS”, “EXPECTS”, “PLANS”, “SEEKS”, “PROJECTS”, “ESTIMATES” AND SIMILAR EXPRESSIONS ARE USED, THEY IDENTIFY FORWARD-LOOKING STATEMENTS. FORWARD-LOOKING STATEMENTS SPEAK ONLY AS OF THE DATE THEY ARE MADE, ARE BASED ON VARIOUS UNDERLYING ASSUMPTIONS AND CURRENT EXPECTATIONS ABOUT THE FUTURE AND ARE NOT GUARANTEES. SUCH STATEMENTS INVOLVE KNOWN AND UNKNOWN RISKS, UNCERTAINTIES AND OTHER FACTORS THAT MAY CAUSE OUR ACTUAL RESULTS, LEVEL OF ACTIVITY, PERFORMANCE OR ACHIEVEMENT TO BE MATERIALLY DIFFERENT FROM THE RESULTS OF OPERATIONS OR PLANS EXPRESSED OR IMPLIED BY SUCH FORWARD-LOOKING STATEMENTS. THESE FORWARD-LOOKING STATEMENTS ARE BASED ON MANAGEMENT’S CURRENT BELIEFS AND ASSUMPTIONS AND INFORMATION CURRENTLY AVAILABLE TO MANAGEMENT AND INVOLVE KNOWN AND UNKNOWN RISKS, UNCERTAINTIES AND OTHER FACTORS WHICH MAY CAUSE THE ACTUAL RESULTS, PERFORMANCE OR ACHIEVEMENTS OF THE COMPANY TO BE MATERIALLY DIFFERENT FROM ANY FUTURE RESULTS, PERFORMANCE OR ACHIEVEMENTS EXPRESSED OR IMPLIED BY THESE FORWARD-LOOKING STATEMENTS. INFORMATION CONCERNING FACTORS THAT COULD CAUSE OUR ACTUAL RESULTS TO DIFFER MATERIALLY FROM THESE FORWARD-LOOKING STATEMENTS CAN BE FOUND IN OUR PERIODIC REPORTS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION. WE UNDERTAKE NO OBLIGATION TO PUBLICLY RELEASE REVISIONS TO THESE FORWARD-LOOKING STATEMENTS TO REFLECT FUTURE EVENTS OR CIRCUMSTANCES OR REFLECT THE OCCURRENCE OF UNANTICIPATED EVENTS.*\n\n \n\n*WE CANNOT PREDICT ALL OF THE RISKS AND UNCERTAINTIES. ACCORDINGLY, SUCH INFORMATION SHOULD NOT BE REGARDED AS REPRESENTATIONS THAT THE RESULTS OR CONDITIONS DESCRIBED IN SUCH STATEMENTS OR THAT OUR OBJECTIVES AND PLANS WILL BE ACHIEVED, AND WE DO NOT ASSUME ANY RESPONSIBILITY FOR THE ACCURACY OR COMPLETENESS OF ANY OF THESE FORWARD-LOOKING STATEMENTS. THESE FORWARD-LOOKING STATEMENTS ARE FOUND AT VARIOUS PLACES THROUGHOUT THIS ANNUAL REPORT ON FORM 10-K AND INCLUDE INFORMATION CONCERNING POSSIBLE OR ASSUMED FUTURE RESULTS OF OUR OPERATIONS, INCLUDING STATEMENTS ABOUT POTENTIAL ACQUISITION OR MERGER TARGETS; BUSINESS STRATEGIES; FUTURE CASH FLOWS; FINANCING PLANS; PLANS AND OBJECTIVES OF MANAGEMENT; ANY OTHER STATEMENTS REGARDING FUTURE ACQUISITIONS, FUTURE CASH NEEDS, FUTURE OPERATIONS, BUSINESS PLANS AND FUTURE FINANCIAL RESULTS, AND ANY OTHER STATEMENTS THAT ARE NOT HISTORICAL FACTS.*\n\n \n\n*THESE FORWARD-LOOKING STATEMENTS REPRESENT OUR INTENTIONS, PLANS, EXPECTATIONS, ASSUMPTIONS AND BELIEFS ABOUT FUTURE EVENTS AND ARE SUBJECT TO RISKS, UNCERTAINTIES AND OTHER FACTORS. MANY OF THOSE FACTORS ARE OUTSIDE OF OUR CONTROL AND COULD CAUSE ACTUAL RESULTS TO DIFFER MATERIALLY FROM THE RESULTS EXPRESSED OR IMPLIED BY THOSE FORWARD-LOOKING STATEMENTS. IN LIGHT OF THESE RISKS, UNCERTAINTIES AND ASSUMPTIONS, THE EVENTS DESCRIBED IN THE FORWARD-LOOKING STATEMENTS MIGHT NOT OCCUR OR MIGHT OCCUR TO A DIFFERENT EXTENT OR AT A DIFFERENT TIME THAN WE HAVE DESCRIBED. YOU ARE CAUTIONED NOT TO PLACE UNDUE RELIANCE ON THESE FORWARD-LOOKING STATEMENTS, WHICH SPEAK ONLY AS OF THE DATE OF THE ANNUAL REPORT ON FORM 10-K. ALL SUBSEQUENT WRITTEN AND ORAL FORWARD-LOOKING STATEMENTS CONCERNING OTHER MATTERS ADDRESSED IN THIS ANNUAL REPORT ON FORM 10-K AND ATTRIBUTABLE TO US OR ANY PERSON ACTING ON OUR BEHALF ARE EXPRESSLY QUALIFIED IN THEIR ENTIRETY BY THE CAUTIONARY STATEMENTS CONTAINED OR REFERRED TO IN THIS ANNUAL REPORT ON FORM 10-K.*\n\n \n\n*EXCEPT TO THE EXTENT REQUIRED BY LAW, WE UNDERTAKE NO OBLIGATION TO UPDATE OR REVISE ANY FORWARD-LOOKING STATEMENTS, WHETHER AS A RESULT OF NEW INFORMATION, FUTURE EVENTS, A CHANGE IN EVENTS, CONDITIONS, CIRCUMSTANCES OR ASSUMPTIONS UNDERLYING SUCH STATEMENTS, OR OTHERWISE.*\n\n \n\n*Unless otherwise indicated, references to “we”, “us”, “our”, “Company”, “MWF Global Inc.”, “Kindcard”, and “KCRD” mean Kindcard, Inc. and its subsidiaries, and references to “fiscal” mean the Company’s fiscal year ended January 31. References to the “parent company” mean Kindcard, Inc.*\n\n \n\n \n\niii\n\n*Table of Contents*\n\n \n\n**PART I**"}