The retail-finance world is buzzing with news that OnePay Crypto Trading majority-owned fintech, plans to add crypto trading for Bitcoin (BTC) and Ethereum (ETH) directly inside its mobile app. If finalized and rolled out as reported, millions of everyday shoppers could soon buy, sell, and hold the two largest cryptocurrencies alongside their day-to-day money tools. Early coverage indicates OnePay is preparing to enable these features with crypto infrastructure provider Zerohash, pointing to an accessible, compliance-minded path into digital assets for mainstream users.
This move would be more than just another button in a banking app. It could tighten the connection between digital wallets, retail shopping, and crypto payments, giving customers a simple, familiar interface to start or continue their crypto journey. It also positions OnePay Crypto Trading credible competitor to fintechs like Cash App and PayPal that already support crypto, while extending Walmart’s broader strategy of building higher-margin services in finance and membership.
In this in-depth guide, you’ll learn what OnePay is building, how Bitcoin and Ethereum trading might work in practice, why the timing matters, and how this could reshape the retail experience for millions of households. We’ll also cover security, fees, potential risks, and what to watch if you’re considering using OnePay’s upcoming crypto trading features.
What Exactly Is OnePay and Why Its Crypto Push Matters
OnePay is a Walmart-backed banking and digital wallet app offering spending, saving, and credit features, plus integrations at Walmart checkout. Over the last few years, it has steadily layered in products like credit-building tools, a store-branded credit card program, and buy now, pay later options, evolving toward an “everything app” for personal finance. Bringing Bitcoin and Ethereum into the mix would be a logical, if ambitious, next step—especially for U.S. consumers who want simple on-ramps and off-ramps between dollars and crypto. Barron’s
In practical terms, OnePay Crypto Trading retail footprint is what makes this potentially transformative. If customers can tap BTC or ETH within the same app they already use for everyday spending, rewards, and bill pay, crypto moves closer to the center of household money management rather than living off to the side on a niche exchange.
What Has Been Reported So Far About Crypto Trading in OnePay
Multiple outlets report that OnePay plans to enable trading and custody for Bitcoin and Ethereum within its app, with back-end connectivity powered by Zerohash, a regulated crypto infrastructure provider that partners with mainstream fintechs. While official corporate announcements and feature-level specifics remain limited at the time of writing, the reporting suggests a phased rollout “later this year,” starting with BTC and ETH.
That approach tracks with how major consumer apps typically add crypto trading: begin with the most liquid assets under a robust compliance framework, then assess demand, user experience, and regulatory clarity before expanding.
How the Experience May Work Inside the OnePay App
Based on how similar integrations function across the industry, OnePay’s Bitcoin and Ethereum trading could look like this:
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You sign in to the OnePay app, complete or confirm KYC/AML identity checks, and link a funding source.
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Inside a dedicated crypto section, you’ll see real-time BTC and ETH prices, a buy/sell/convert interface, and a simple portfolio view for balances.
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Trades execute through the embedded rails provided by the infrastructure partner, with results reflected in your OnePay account.
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Custody may be handled by the partner under a qualified custody or trust arrangement, with detailed disclosures in the app about how assets are stored and protected.
Because OnePay already serves a broad audience—including many first-time investors—the user interface will likely emphasize clarity, risk disclosures, and everyday language rather than trading jargon. Dollar-cost averaging, small-ticket purchases, and instant settlement UX patterns are common in consumer fintechs and could appear here as well. While we’ll need official docs for the exact flow, the core idea is a friction-light on-ramp to BTC and ETH.
Why Start With Bitcoin and Ethereum?
Starting with Bitcoin and Ethereum is the industry norm for mainstream apps because they offer deep liquidity, broad name recognition, clearer regulatory treatment relative to many altcoins, and mature custody practices. Bitcoin is often positioned as “digital gold”—a scarce asset with a fixed supply schedule—while Ethereum powers a vast ecosystem of smart contracts and decentralized applications. Together, they cover two complementary narratives: store-of-value and programmable finance.
Market conditions also help the case. In recent months, BTC and ETH have drawn heightened attention and price action as broader adoption grows, drawing more first-time buyers to trusted platforms. Newsrooms continue to report higher price levels and active market participation in 2025, underscoring mainstream momentum.
The Role of Zerohash and Why Infrastructure Partners Matter
In consumer fintech, few brands reinvent the wheel on crypto custody, trade execution, and regulatory operations. That’s where infrastructure firms like Zerohash come in: they provide the “pipes” that handle wallet management, order routing, settlements, and compliance workflows behind the scenes. Partnering with a specialist helps a consumer app add Bitcoin and Ethereum trading faster while keeping the user experience cohesive. Reporting associates OnePay’s rollout with Zerohash, in line with a broader fintech trend of modular, compliant crypto integrations.
What This Could Mean for Walmart’s Broader Ecosystem
Walmart has been steadily expanding into higher-margin services—finance, advertising, and memberships—alongside its retail engine. OnePay is a pillar of that strategy. Crypto functionality could:
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Encourage more users to make OnePay their “home base” for money, increasing app engagement.
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Create new revenue streams from spreads or fees tied to Bitcoin and Ethereum transactions.
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Open future avenues such as crypto rewards, on-chain loyalty, or in-store crypto off-ramps, should regulations and demand align.
For customers, the appeal is convenience: fewer apps to manage, consolidated statements, and potential rewards synergies between shopping and saving. For Walmart, deeper financial relationships can drive loyalty, data insights, and cross-sell opportunities.
Security, Custody, and Consumer Protection: What to Expect
Security will be front-and-center. Mainstream users need to know where coins are held, how private keys are managed, and what protections exist in the event of a service disruption. With custody likely handled by a regulated partner, expect standard practices such as segregated accounts, multi-signature controls, and a mix of cold and warm storage. Users should also expect clear in-app disclosures explaining who the custodian is, whether assets are held off-balance-sheet, and what recourse exists under the applicable regulations.
It’s important to understand that crypto assets aren’t FDIC insured the way bank deposits are. Some platforms offer crime insurance or specific coverage for theft, but limits and exclusions vary. Ultimately, good security is layered: platform controls, user education, and your own account hygiene—strong passwords, multi-factor authentication, device security—work together to reduce risk. Recent industry headlines show that large platforms can still face cyber incidents, which makes it all the more important to read security disclosures and follow best practices when using any crypto trading feature.
Fees, Spreads, and Limits: Reading the Fine Print
While OnePay has not publicly listed a crypto fee schedule yet, consumer apps commonly charge a spread on the buy/sell price, a per-trade fee, or both. There may also be minimum trade sizes, daily limits, and funding/withdrawal holds to manage fraud and settlement risk. Before your first trade, look for a transparent breakdown of:
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The execution price versus the reference price you see on charts.
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Any network fees for on-chain withdrawals.
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Instant transfer or card funding fees, if applicable.
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Withdraw/transfer limits and identity verification requirements.
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Tax statements and support for cost basis tracking.
Because OnePay is a mass-market app, expect clear explanations rather than complex order types. Still, savvy users will want to compare the all-in cost with alternatives.
How to Get Started When the Feature Rolls Out
When crypto support goes live, a sensible path is to start small. Confirm your identity information, enable two-factor authentication, and review the risk disclosures. Explore any education modules OnePay may provide—first-time crypto buyers often benefit from short explainers on volatility, long-term holding, and safe transfer practices.
Consider setting a budget for your first purchase of Bitcoin or Ethereum and try a test trade to familiarize yourself with confirmations, settlement times, and portfolio reporting. If the app supports recurring buys or auto-invest, ensure the schedule and amounts align with your goals. For on-chain withdrawals, send a small test amount first to validate the destination address.
Also Read: Best Crypto Bots Trading 2024 Top Platforms for Automated Profits
OnePay vs. Other Consumer Crypto Apps
How might OnePay compare with well-known consumer apps that already offer crypto trading?
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Distribution and brand: OnePay’s connection to Walmart’s retail footprint, checkout flows, and rewards ecosystem may differentiate its discovery and adoption path. Users who already shop with Walmart could be more likely to test the crypto feature where they bank and buy.
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Integrated money stack: Having spend, save, credit, and crypto under one roof streamlines everyday money tasks. That convenience can outweigh narrower price advantages elsewhere for many users.
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Education and guardrails: Expect OnePay to stress plain-English education, proactive risk messaging, and customer support suited for first-time crypto users.
The flip side is that dedicated crypto exchanges may still offer more assets, advanced order types, and specialized self-custody workflows. Your choice depends on whether you value simplicity and brand familiarity over breadth and trader-grade tooling.
Regulatory Landscape and Compliance Considerations
U.S. crypto regulation continues to evolve. Consumer fintechs typically operate money transmission and digital asset activities in concert with state and federal frameworks, using licensed partners to maintain compliance. Starting with BTC and ETH aligns with the market’s clearest regulatory footing. The reported partnership model with Zerohash fits a pattern that has allowed other mainstream apps to add Bitcoin and Ethereum trading without building end-to-end infrastructure themselves. As always, policies can change; staying informed through in-app disclosures and official FAQs is wise.
Market Context: Why 2025 Is a Pivotal Year
Beyond product mechanics, timing matters. Market coverage in 2025 has focused on persistent interest in BTC and ETH, increasingly from mainstream institutions and large holders. Price levels and trading volumes have reflected that attention, with analysts pointing to robust liquidity and sustained adoption cycles. If OnePay introduces crypto trading against this backdrop, user curiosity and first-time purchases could be particularly strong—especially among shoppers already using OnePay for everyday finances.
Risks You Shouldn’t Ignore
Crypto remains volatile. Prices can move sharply in minutes, and headlines can sway sentiment. Platform-level risks—service outages, custody incidents at third-party providers, or network congestion—may affect your ability to trade or transfer at a desired moment. There is also behavioral risk: buying too much too quickly, panic-selling on dips, or neglecting account security.
For many households, a measured approach works best. Treat Bitcoin and Ethereum as a small slice of a diversified plan, use dollar-cost averaging if it suits your temperament, and keep emergency savings separate. If OnePay offers educational content and spending controls, lean on those financial wellness tools.
How This Could Change Everyday Shopping
Imagine checking out online or in store with your OnePay account. Today, you might pay with a debit card saved in the app, apply rewards, and track spending in one view. Layer in crypto and new possibilities emerge:
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You could buy BTC or ETH when you receive a paycheck, right inside the app.
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You might convert small amounts of crypto to dollars when you need spending money, without moving funds to a separate exchange first.
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If OnePay ever rolls out crypto-based rewards or limited crypto payments (subject to regulations and merchant acceptance), you could see Bitcoin or Ethereum become part of everyday checkout flows.
These are forward-looking scenarios, and any expansion beyond core buy/sell/hold would depend on regulation and product decisions. Even so, integrating crypto trading into a major retail-finance app nudges digital assets closer to normal consumer behavior.
What to Watch Next
Keep an eye on OnePay Crypto Trading newsroom and app release notes for launch timing, supported geographies, fee schedules, and withdrawal options. Feature updates often arrive in waves: first a limited rollout, then broader availability, then incremental enhancements based on user feedback.
When the details land, compare the all-in costs and user experience with the crypto features you may already have in Cash App, PayPal, or an exchange. Convenience, clarity, and security should guide your choice more than short-term price differences.
Bottom Line
OnePay’s plan to add OnePay Crypto Trading signals another step in crypto’s mainstream journey. By embedding crypto inside a familiar digital wallet backed by one of the world’s largest retailers, the company could lower the barrier to entry for millions of everyday users. The combination of simple UX, infrastructure support from a specialist like Zerohash, and Walmart’s ecosystem suggests a carefully staged rollout designed for accessibility and compliance. If you’re curious about BTC and ETH but want to keep your money tasks in one place, OnePay’s crypto feature—once live—may be worth a close look.
FAQs
When will OnePay’s Bitcoin and Ethereum trading go live?
Reports indicate a rollout later this year, starting with BTC and ETH, though OnePay has not yet posted a detailed public launch schedule or fee table. Watch the official site and app updates for precise timing.
Will I be able to withdraw crypto to my own wallet?
That depends on final product design and compliance decisions. Some consumer apps start with buy/sell/hold and add on-chain withdrawals later. Look for in-app disclosures specifying whether self-custody withdrawals are supported at launch.
How safe is it to hold crypto in OnePay?
Security is multi-layered: regulated custody, strong internal controls, and your own account protections. Expect OnePay to partner with a specialist (reported as Zerohash) and to provide clear disclosures. Turn on 2FA, use a unique password, and keep devices secure.
Will there be fees for trading Bitcoin and Ethereum in OnePay?
Most consumer apps charge a spread, a per-trade fee, or both, and may pass along network fees for on-chain withdrawals. Compare OnePay’s posted pricing at launch with alternatives to understand your all-in cost.
Why would I use OnePay for crypto instead of a dedicated exchange?
If you value simplicity, a single app for spend, save, and crypto, and retail-ecosystem perks, OnePay could be compelling. If you need a broader asset list, advanced order types, or specialized self-custody features, a dedicated exchange may still fit better.
