Walmart to Enable Crypto Payments Through OnePay Cash
- Walmart’s OnePay Cash rollout lets users pay for services using Bitcoin, ETH, and XRP.
- The Zerohash partnership supports OnePay’s new crypto trading and custody services.
- OnePay’s integration extends Ripple’s RLUSD reach across Walmart’s fintech network.
Walmart is introducing crypto payments through its fintech arm, OnePay Cash, in partnership with crypto infrastructure firm Zerohash. The rollout will allow users to pay using Bitcoin, Ethereum, and XRP, a step toward mainstream retail adoption of digital assets. The service is expected to reach more than 150 million U.S. shoppers connected to Walmart’s digital and in-store market.
OnePay Integrates Crypto Functionality With Zerohash
OnePay, majority-owned by Walmart, plans to integrate crypto trading, custody, and payment support into its mobile application later this year. Users will be able to buy, sell, and hold Bitcoin and Ethereum directly within the app.
The system is powered by Zerohash, a crypto technology company from Chicago that recently raised $104 million from investors like Morgan Stanley and Interactive Brokers. This partnership makes Walmart’s OnePay a link between traditional banking and blockchain systems.
By working with Zerohash, which now supports Ripple’s RLUSD stablecoin, OnePay is helping bring XRP Ledger technology into everyday financial use. This upgrade could make the app more attractive as it grows into an “all-in-one” platform for digital finance.
Walmart’s Expanding Financial Sector
Founded in 2021 by Walmart and Ribbit Capital, OnePay has steadily built out its financial offerings. It already provides users with banking services such as savings accounts, debit and credit cards, buy-now-pay-later loans, and even wireless plans.
By adding crypto capabilities, the fintech aims to become America’s version of Asia’s “super apps” like WeChat, by bringing several financial tools together in one place. Adding crypto payments makes its link to Walmart’s huge retail network even stronger.
The app is already built into Walmart’s online and in-store checkout systems, giving it direct access to millions of shoppers. Once crypto payments are active, users will be able to turn their digital coins into cash and spend them on shopping or paying bills straight from the app.
This move comes as the crypto industry gains new momentum, helped by the Trump administration’s friendly stance on digital assets. Meanwhile, the U.S. SEC is creating rules to help companies safely add blockchain features into finance, pushing more firms to build legal, crypto-based services.
Related: British Columbia Seeks Permanent Crypto Mining Ban
Rising Competition Among Fintech Platforms
OnePay’s entry into crypto aligns it with major fintech competitors such as PayPal, Venmo, and Cash App, which already support digital asset trading. The company’s app currently ranks fifth on Apple’s App Store for free finance apps, ahead of industry names including JPMorgan Chase, Robinhood, and Chime. Adding crypto functionality could strengthen OnePay’s position in the market.
Zerohash’s expanding partnerships within the financial industry further support this move. The firm’s infrastructure already supports services for banks and brokers developing crypto-related products. Its recent funding round showed strong institutional confidence in the adoption of digital assets.
Moreover, Walmart’s collaboration with Zerohash, which connects Ripple’s RLUSD stablecoin framework, broadens the use of XRP within the fintech’s system. This link supports XRP Ledger’s integration into institutional-grade financial applications. It also aligns with Ripple’s broader objective of enhancing blockchain-based payment efficiency.
The change by OnePay follows a broader trend of major corporations entering digital finance. Companies such as Meta, Apple, and Google are also exploring tokenized services and stablecoin use, potentially redefining traditional banking structures.
Walmart’s scale and existing financial footprint, however, make its involvement particularly notable. With its weekly customer reach and integrated checkout systems, Walmart has a unique advantage in bringing crypto payments into everyday consumer transactions.
The move indicates how major retailers are beginning to mix financial technology with blockchain, giving users more ways to pay and making crypto more useful in everyday life.
Walmart’s decision to include Bitcoin, Ethereum, and XRP payments through OnePay Cash marks a big step toward wider crypto use in retail. Its partnership with Zerohash, which has support from major financial firms, adds strong backing to the system, making this shift possible.
