Walmart-Backed OnePay to Offer Bitcoin Trading in App
John: Hey there, folks! I’m John, a veteran writer for Blockchain Bulletin, where I break down the latest in Web3, virtual currencies, and blockchain in simple terms that anyone can grasp. Today, we’re diving into the exciting news about Walmart-backed OnePay adding Bitcoin trading to its app—think of it as bringing crypto right to your everyday shopping app. For readers who want a full step-by-step guide, you can also check this exchange guide.
Lila: Hi everyone, I’m Lila, John’s curious assistant always eager to learn more about crypto. John, for beginners like me, what’s the big deal with OnePay jumping into Bitcoin trading?
The Basics of OnePay and Crypto Integration
John: Great question, Lila. OnePay is a fintech app backed by Walmart, launched back on 2021-01-01, aimed at providing banking services like checking accounts and debit cards. Now, as of recent updates from sources like CNBC on 2025-10-03, they’re planning to add Bitcoin and Ether trading directly in the app, making it easier for everyday users to buy, sell, and hold crypto.
Lila: Ether? Isn’t that just another name for Ethereum? Can you explain that like it’s a different flavor of ice cream?
John: Exactly, Lila—Ethereum is the blockchain network, and Ether is its native currency, much like Bitcoin is to its own network. Think of Bitcoin as vanilla—classic and straightforward—while Ether adds some sprinkles with smart contract capabilities. This integration, powered by Zerohash as reported by Cointelegraph on 2025-10-03, will let users trade these without leaving the OnePay app.
Background on Walmart’s Fintech Move
John: In the past, Walmart has dabbled in fintech through ventures like partnerships with Ribbit Capital, leading to OnePay’s creation in 2021. This isn’t their first rodeo; they’ve offered money services in stores for years. Now, with crypto adoption rising—over 50 million Americans own digital assets as per recent regulatory news—this move positions OnePay as a “superapp” similar to WeChat, blending banking and crypto.
Lila: Superapp sounds fancy. Does that mean I can shop at Walmart and pay with Bitcoin all in one place?
John: Spot on! Reports from Bitcoin Magazine on 2025-10-03 indicate users might convert crypto to cash for Walmart purchases or card balances. (And hey, if crypto were a shopping cart, this would be like adding turbo wheels—zooming through checkout!)
Current Developments and Launch Timeline
John: As of now, on 2025-10-04, OnePay hasn’t launched the feature yet, but multiple sources like CNBC and Cointelegraph confirm it’s slated for later in 2025. They’re starting with Bitcoin and Ether trading and custody, using Zerohash for the backend to ensure secure handling. This comes amid a broader crypto boom, with Bitcoin hitting new highs in early 2025.
Lila: Custody? That sounds like babysitting. What’s that about in crypto terms?
John: Haha, good analogy—custody means safely storing your digital assets, like a bank vault for your crypto. Zerohash, a trusted provider, will handle this so users don’t worry about hacks or lost keys. It’s all about making crypto accessible without the tech headaches.
How It Works: A Simple Breakdown
John: Here’s how it’ll likely roll out, based on verified reports: Users download the OnePay app, set up an account, and access a crypto section to buy Bitcoin or Ether with fiat money. You can then hold it, trade it, or convert to spendable cash. It’s integrated seamlessly, so no need for separate wallets.
Lila: That sounds user-friendly. Are there any steps or requirements for beginners?
John: Absolutely. To get started, you’ll need:
- A verified OnePay account with KYC (Know Your Customer) checks, as required by U.S. regulations.
- Link a funding source like a bank account or debit card.
- Start small—maybe buy $10 worth of Bitcoin to test the waters.
- Monitor via the app’s dashboard for real-time prices.
Remember, this is based on details from CoinDesk-style reporting; always check the app for exact features upon launch.
Benefits and Use Cases
John: The perks are huge for retail users. Imagine earning crypto rewards on Walmart purchases or using Bitcoin to pay bills—bridging everyday finance with digital assets. As of 2025, with millions of Walmart customers, this could onboard tons of new crypto users, much like how PayPal did back in 2020-10-21.
Lila: Cool! Any real-world examples?
John: Sure—for a beginner, it’s like dipping toes into investing without complex exchanges. Intermediate users might appreciate custody for secure holding, potentially integrating with Walmart’s ecosystem for seamless spending. (Just don’t expect to buy groceries with Bitcoin directly yet—that’s still a future dream!)
Risks and Considerations
John: Crypto isn’t without bumps. Prices can swing wildly—Bitcoin dropped 20% in a day back in 2022-05-12, for instance. Regulatory risks exist too; the SEC’s ongoing oversight means features could change. OnePay’s using trusted partners, but always research and never invest more than you can lose.
Lila: Yikes, volatility sounds scary. How can users stay safe?
John: Key safeguards include enabling two-factor authentication, diversifying holdings, and staying informed via official sources like the FTC’s crypto guides. No speculation here—just verified facts: As of now, OnePay emphasizes security through Zerohash’s compliance with U.S. laws.
Looking Ahead: Future Implications
John: Looking ahead, if launched successfully in late 2025, this could pave the way for more retailers entering crypto. We might see expansions to other coins or DeFi features by 2026, based on trends from sources like Cointelegraph. It’s a step toward mainstream adoption, making Web3 part of daily life.
Lila: Will this change how people shop?
John: Potentially yes—envision a world where your Walmart app handles everything from paychecks to crypto investments. It’s exciting, but we’ll watch for official announcements.
John: Well, that’s a wrap on OnePay’s big crypto leap—it’s a friendly bridge for newcomers to explore Bitcoin without the overwhelm. Remember, crypto is evolving fast, so stay curious and informed. And if you’d like even more exchange tips, have a look at this global guide.
Lila: Thanks, John! My takeaway: OnePay could make crypto as easy as Walmart shopping—start small and learn as you go.
This article was created using the original article below and verified real-time sources:
- Walmart-Backed OnePay to Offer Bitcoin Trading in App
- Walmart-backed fintech OnePay is bringing crypto to its banking app, sources say
- Walmart-owned bank app OnePay to add Bitcoin, Ether trading this year: Report