Quick Takeaways
- Walmart-backed OnePay will soon let users buy, sell, and store crypto right from its mobile app.
- Bitcoin and Ether will be the first supported assets, with cash-out options for Walmart spending.
- The launch could open the doors to mainstream crypto adoption in everyday retail.
Crypto Trading Is Coming to OnePay’s Mobile App
Walmart is making its biggest move into crypto yet.
Later this year, its fintech arm OnePay will roll out crypto trading and custody features directly in its mobile banking app.
That means users will be able to buy and hold Bitcoin and Ether, and more importantly, convert that crypto to cash they can actually use at Walmart.
Whether you are buying grocery items or paying your credit card, you will be able to use Crypto easily as dollars.
This feature is being made in partnership with Zerohash, which is a rear view Crypto Infrastructure provider that helps apps to preserve digital asset services safe and legally.
Therefore, even though you have never used the Crypto Exchange before, OnePe is aiming to make the experience smooth as online shopping.
And this isn’t Walmart’s first step into the world of digital assets.
Earlier this year, the retail giant explored the idea of launching its own US dollar-backed stablecoin. Now, it’s doubling down on real-world crypto use.
Why Walmart’s Crypto Trading Move Actually Matters
Let’s be honest: crypto trading has often felt a bit… niche. It’s either tech-savvy investors on specialized platforms or risky speculation during market hype.
But OnePay is flipping that script.
Right now, the app already offers basic banking debit cards, savings, and even bill pay. By adding crypto trading, Walmart is making a clear move to turn OnePay into a full-fledged financial hub.
Think of it like Cash App or PayPal, but designed to fit neatly into your everyday shopping life.
Here’s what’s already in motion:
- A new Walmart credit card is launching with Synchrony, built right into the app
- Walmart has partnered with Klarna to bring flexible BNPL (Buy Now, Pay Later) payment options
- And now, crypto will sit alongside your regular balance, spendable, storable, and simple
This is a big deal. Why? Because it’s no longer about “investing in crypto”, it’s about using it. Whether you’re buying household essentials or paying off your balance, your crypto could soon be just as practical as your debit card.
Yes, There Are Risks, But the Timing Looks Right
Of course, adding crypto trading to a mainstream app doesn’t come without some bumps in the road.
There’s still regulatory uncertainty.
The U.S. government is slowly warming to crypto (the new GENIUS Act and executive orders show promise), but rules are changing fast.
Then there’s the challenge of keeping things secure and easy to understand, especially for people totally new to digital currencies.
But here’s the good news: the timing couldn’t be better.
- Bitcoin recently crossed $121,000, boosted by steady ETF inflows and strong “Uptober” momentum
- The stablecoin market topped $300 billion for the first time
- Even a federal government shutdown hasn’t slowed down crypto’s fourth-quarter rally
So, there’s clear interest, not just from institutions, but from everyday people too. If OnePay can keep the process user-friendly, it could open the door for millions of Americans to interact with crypto in a real, useful way.
A Bigger Play for the Future of Everyday Finance
This move isn’t just about keeping up with fintech trends; it’s part of Walmart’s bigger strategy to reshape how people manage and spend their money.
Unlike traditional banks or even most crypto apps, Walmart has a unique advantage: retail scale. OnePay could be the first time someone earns crypto rewards, pays bills, shops, and invests, all in one app they already trust.
Think about it:
- No need to transfer your Bitcoin to another wallet
- No extra exchange accounts
- No complicated interfaces
Just open the OnePay app, check your balance, and decide if you want to spend dollars or crypto. That’s powerful. And it could make crypto trading as common as swiping your debit card.
