fold sth into sth
phrasal verb with fold verb [ I ] uk/fəʊld/ us
to make a smaller business part of a larger one by joining them together:
The company's investment-banking arm was folded into a new group earlier this year.
to make something small part of something larger by joining them together:
As those fees are folded into the new mortgage, the lender strips away more equity and leaves the borrower with even more debt.