Fintech Disruption Alert: OnePay Adds Bitcoin & Ethereum

Walmart’s OnePay Set to Enter Crypto Arena with Bitcoin & Ether Support

Big news in fintech this month: OnePay, the digital finance platform backed by Walmart, is gearing up to offer cryptocurrency trading and custody services directly within its mobile app. According to sources close to the company, users will soon be able to buy, sell, and store Bitcoin and Ethereum through a new integration with crypto infrastructure provider Zerohash.

This move could mark a turning point in the mainstream adoption of crypto—and OnePay is positioning itself as a central player in this shift.

🏦 A Super App in the Making

Launched in 2021 by Walmart and venture capital firm Ribbit Capital, OnePay has been quietly building a comprehensive suite of financial products aimed at American consumers—particularly those underserved by traditional banks. The platform already offers:

• High-yield savings accounts

• Credit and debit cards

• Buy Now, Pay Later (BNPL) loans

• Peer-to-peer payments

• Wireless plans

Now, the addition of crypto trading and custody takes OnePay one step closer to becoming a true financial super app, similar to China’s WeChat Pay or India’s Paytm.

The platform’s ambition is clear: to centralize the everyday consumer's financial life—from savings and spending to investing and borrowing—inside one mobile app.

🪙 Why Crypto, Why Now?

Sources indicate that Bitcoin and Ethereum will be the first two cryptocurrencies supported, and the rollout is expected by the end of the year.

Why is OnePay making this move now?

The broader political and regulatory climate has shifted. Since the 2024 U.S. presidential election brought a more crypto-friendly administration into power, we’ve seen major financial institutions take renewed interest in digital assets. For example:

• Morgan Stanley recently announced plans to offer crypto trading to retail clients through its E-Trade platform.

• Zerohash, OnePay’s crypto infrastructure partner, secured $104 million in new funding, backed by firms like Morgan Stanley and Interactive Brokers.

In short, crypto is no longer on the fringes—it’s becoming part of the financial mainstream. And OnePay is seizing the opportunity.

🛍️ Crypto at Checkout?

One of the most intriguing aspects of this announcement is the potential integration between crypto and commerce.

Since OnePay is tightly integrated with Walmart’s checkout systems—both online and in-store—this could pave the way for customers to:

• Convert crypto holdings to cash inside the app

• Use converted funds for purchases at Walmart

• Pay down card balances with crypto-derived cash

While neither OnePay nor Zerohash has commented publicly on the crypto rollout, insiders say the feature is positioned as a cornerstone in OnePay’s long-term strategy.

📱 Rising Star Among Finance Apps

Even before adding crypto, OnePay is seeing significant traction.

As of this writing, the app ranks #5 in Apple’s App Store for free finance apps, ahead of established names like:

• JPMorgan Chase

• Chime

• Robinhood

And notably, all the apps ranked above OnePay—PayPal, Venmo, and Cash App—already offer crypto trading. Adding crypto could put OnePay on equal footing with these fintech heavyweights.

🌍 Walmart’s Secret Weapon: Scale

Let’s not forget what sets OnePay apart: access to Walmart’s massive customer base. Over 150 million Americans shop at Walmart every week, and OnePay is embedded directly into that ecosystem.

Yet the app is designed to appeal beyond just Walmart shoppers. As a standalone fintech company, OnePay aims to serve millions of Americans with limited access to traditional financial services.

By combining crypto access, traditional banking, and seamless retail integration, OnePay is forging a new path in the evolving landscape of digital finance.

🔍 What This Means for the Industry

The OnePay-Zerohash partnership isn’t just another product launch—it’s a signal. A signal that:

• Fintechs are doubling down on crypto

• Retail giants are serious about embedded finance

• And the boundaries between commerce, banking, and investing are blurring faster than ever

With crypto gaining political legitimacy and fintech adoption on the rise, we’re witnessing a new chapter in the digital financial revolution—and OnePay wants to write it.

🧠 Fintech Forward Takeaway

Walmart's OnePay is no longer just a financial sidekick—it’s turning into a full-fledged financial ecosystem. And with crypto in the mix, the platform could become the first retail-integrated crypto wallet at scale in the U.S.

Whether you're a fintech founder, investor, or simply watching the space, keep a close eye on OnePay. This could be the beginning of a major new trend in the U.S. consumer finance market.