OnePay was launched in 2021 and is majority owned by Walmart, with early backing from Ribbit Capital, and the company has been steadily rolling out banking features since then.
The app also aims to offer savings accounts and buy-now, pay-later options alongside the new crypto window. Users may be given the ability to convert crypto to fiat and then use those funds for purchases in Walmart stores or to pay card balances, though the exact mechanics have not been fully detailed by company spokespeople.
Sources said the rollout is expected sometime later in 2025, with the credit card program arriving in fall 2025, but no firm launch date for crypto trading has been announced.
Regulators at the state and federal level are actively watching crypto offerings from consumer apps, and compliance requirements could shape how quickly OnePay moves.
Based On reports, the company has not publicly filed detailed disclosures tied to the crypto service, and both Walmart and OnePay declined to comment to reporters. That leaves open the possibility of a phased release, restricted to certain users or states at first.
If the plan proceeds, Walmart customers who already use OnePay could gain another way to access BTC and ETH without signing up for a separate crypto exchange.
Analysts and users will be watching fees, protections for deposits, and whether the app allows spending crypto directly in stores or requires conversion first.
Featured image from OnePay, chart from TradingView
