Walmart-backed fintech OnePay plans to roll out crypto trading and custody later this year. The first coins are Bitcoin and Ethereum, and the infrastructure will be handled by Zero Hash. The idea is really simple: let people buy, hold, and turn crypto into cash inside the same app they already use alongside Walmart money tools.
What’s Walmart-backed fintech actually launching?
Multiple outlets report the Walmart-backed fintech will start with Bitcoin and Ether, with Zero Hash powering custody and the rails for crypto buying and storage. OnePay is not reinventing the wheel; it’s plugging a familiar feature into a growing “everything app” that already covers savings, debit and credit, buy now, pay later, and even wireless service. One app, more options.
Most major U.S. finance apps already support crypto trading. Adding it helps OnePay keep pace while giving Walmart shoppers another way to manage value inside a single wallet. One practical perk highlighted in early coverage is the option to convert crypto to cash and use it for Walmart purchases or to pay down card balances, all within the same interface. That’s a clean use case for people who don’t want a dozen apps.
What gives OnePay an edge?
Distribution matters. A Walmart-backed fintech can surface features where millions already shop and check out. Pair that with an app recently ranked among the top finance apps on Apple’s charts, and the flywheel is clear: more visibility, more signups, and more reasons to stay. The feature becomes native, not a separate destination, and that’s how most people adopt new tools.
Think of the U.S. finance apps you already know. PayPal, Venmo, and Cash App all support crypto trading, so adding the same capability is table stakes. The difference here is retail integration: OnePay lives in the Walmart orbit, from card programs to checkout touchpoints, which can turn occasional users into everyday users if the experience is smooth and fees are transparent.
Context and background
OnePay launched in 2021 with backing from Walmart and Ribbit Capital and is majority-owned by the retailer. In 2025, the company also reset Walmart’s credit card program with Synchrony and Mastercard, embedding those cards directly into the app. Alongside savings, debit, BNPL, and wireless, this new crypto layer rounds out its push toward a U.S. “super app.”
What to watch next
Two things. First, the nuts and bolts: identity checks, fees, limits, education, and customer support. These will define how friendly the experience feels for first-timers. Second, expansion: today it’s Bitcoin and Ethereum; over time, you might watch for stablecoins, rewards tie-ins, or smoother cash-out at checkout. None of that is promised yet, but the direction is consistent with how super apps usually evolve.
Bottom line
This is a practical step, not a flashy stunt. A Walmart-backed fintech adding crypto trading means millions of U.S. shoppers could manage crypto and spending in one place. If the rollout lands as reported, OnePay’s combination of retail reach and a simple, unified app could make crypto feel more everyday, where it needs to be to matter.
