Walmart-backed fintech firm OnePay is preparing to let its customers trade bitcoin and ether on its mobile banking app later this year. The service will also include custody, meaning users can hold cryptocurrency inside the app. The trading and custody system will be powered by ZeroHash, a Chicago-based startup that supplies digital asset infrastructure to financial firms. ZeroHash has attracted major investors such as Morgan Stanley and Interactive Brokers, showing that large financial institutions are now supporting crypto technology.
OnePay, which Walmart and venture firm Ribbit Capital founded in 2021, has been building what it calls an “everything app” for money management. The app already provides high-yield savings accounts, credit and debit cards, buy now pay later loans, and wireless plans. Adding bitcoin and ether is the next step in its expansion. Users will be able to buy crypto, hold it in the app, and then convert it to cash for spending at Walmart stores or for paying off card balances. The design makes cryptocurrency more practical by linking it directly to shopping and bill payment.
The app has quickly gained attention in the competitive mobile finance space. OnePay ranks No. 5 on Apple’s app store for free finance apps, ahead of JPMorgan Chase, Robinhood, and Chime. Nearly all of the leading finance apps, including PayPal, Venmo, and Cash App, already let users buy and sell digital assets. The move by OnePay suggests that offering cryptocurrency is now an expected feature in this market. Some users searching how to buy bitcoin and ethereum on OnePay app or comparing OnePay vs Cash App crypto trading will soon find the services more aligned.
The scale of Walmart gives OnePay an edge. Walmart serves about 150 million shoppers in the United States every week. The app is tied into Walmart’s online and in-store checkout systems, but the company set up OnePay as a separate brand to appeal to customers outside its retail base as well. Analysts note that questions like can I pay at Walmart with bitcoin through OnePay are likely to surface once the integration is live.
The timing lines up with changes in U.S. policy toward digital assets. The Trump administration introduced the GENIUS Act, which set up a framework for stablecoins. It also created a path for retirement plans such as 401(k)s to include cryptocurrency. This shift has encouraged big banks to launch digital asset services. Morgan Stanley recently said its E-Trade unit would open direct crypto access for retail clients. For some, this signals the U.S. financial system is moving toward broader acceptance of digital assets.
Bitcoin’s price recently crossed $121,000, supported by steady inflows into spot ETFs. The stablecoin market also grew past $300 billion in value. These figures highlight the scale of adoption and why fintech apps are adding crypto features. Walmart itself explored issuing a dollar-backed stablecoin in June. The OnePay rollout is its latest move into the digital currency space and raises the question of whether Walmart stablecoin plans could return in the future.
Spokespeople for OnePay and ZeroHash did not comment on the new services. CNBC reported the information after speaking with people familiar with the matter. Still, the trend is clear. With more users searching for fintech apps offering bitcoin custody 2025 or asking which fintech apps integrate with ZeroHash, the answer now includes OnePay.
The addition of bitcoin and ether to OnePay shows how cryptocurrency is becoming part of daily financial tools. It also places OnePay alongside larger rivals that already built similar features. As regulators shape rules for digital assets and firms like Walmart explore stablecoin plans, OnePay’s crypto launch may mark another turning point for mainstream use of bitcoin and ether in the United States.
