The fintech firm Onepay, which is majority-owned by Walmart, is reportedly set to expand its services by introducing cryptocurrency trading and custody on its mobile application. The move, expected to roll out later this year, demonstrates Onepay’s aggressive drive to become a leading American “everything app” for digital finance.

According to CNBC, the initial crypto offering will allow customers to access bitcoin ( BTC) and ether ( ETH). Onepay has partnered with the startup Zerohash to power this integration and handle the custody of the digital assets. By enabling users to hold bitcoin and ether directly within the mobile app, Onepay creates a practical bridge between digital assets and everyday commerce.

A key potential use case is the ability for customers to convert their cryptocurrency holdings into cash and utilize those funds for in-store or online purchases at Walmart, or to pay off existing card balances.

Since its founding in 2021, Onepay has gradually added new financial products as it seeks to emulate overseas super apps like WeChat. The fintech firm now offers a comprehensive suite of services, including high-yield savings accounts and banking services, credit and debit cards, buy now, pay later (BNPL) loans, and wireless phone plans.

Onepay’s move into crypto is essential for competitive parity, as nearly all of the top-ranked finance apps in the U.S.—including Paypal, Venmo, and Cash App—already offer digital asset services. As the CNBC report noted, Onepay’s momentum is already strong, evidenced by its No. 5 ranking on Apple’s App Store for free finance apps, positioning it ahead of established players like JPMorgan Chase, Robinhood, and Chime, even before the crypto launch.

The fintech firm’s most significant competitive advantage stems from its unique relationship with the world’s largest retailer. Onepay benefits from a powerful distribution channel, with its app integrated directly into the checkout process at Walmart’s U.S. locations, giving it direct access to the 150 million Americans who shop there weekly.

The combined power of a broad product suite, crypto capabilities, and unparalleled retail integration is seen as positioning Onepay as a formidable contender in the evolving U.S. digital finance landscape.

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