🛒 CNBC reported that the largest retail chain Walmart is making an important move toward digital assets: the OnePay mobile app will integrate the ability to pay for purchases in Ethereum (and later in Bitcoin).
The idea is simple: the customer chooses to pay with crypto, the app instantly converts ETH into dollars and transfers regular fiat to the retailer.
For Walmart, this is the perfect scheme: the company does not take on volatility risks, does not hold cryptocurrency on its balance sheet, but receives super-fast and cheap transactions. And the buyer does not need to understand blockchain, gas fees, wallets, or other terminology, which often intimidates more than it attracts.
From a technical standpoint, it is also well thought out: the wallet is built directly into the app; ETH can be added with one click; conversion happens instantly, in real time; no delays, bureaucracy, or fees «like an international transfer».
Testing is taking place in several U.S. states and is accompanied by local fintech partners. Zerohash is responsible for the technical part — a company specializing in crypto payment infrastructure. It ensures conversion, compliance, and the operation of the crypto wallet within the app.
The full-scale launch is expected by the end of 2025, it will be phased — by states, but Walmart has already started adding functionality and integrating crypto operations into the OnePay financial interface.
Author: qwen.ai Source: chat.qwen.ai
Why is Walmart entering crypto?
Walmart is building its own super app: OnePay was founded in 2021 together with Ribbit Capital and already combines payments, financial services, and trading tools. Within the company, this initiative is called the future «super app» — similar to China’s WeChat Pay or India’s PayTM, but adapted for the U.S. market.
Integrating cryptocurrencies makes the platform more modern and competitive compared to PayPal, Apple Pay, and other fintech giants.
Students, crypto traders, young families, residents of fast-growing states like Texas and Florida — these are customers accustomed to digital assets and instant payments. Walmart has long been trying to attract a younger audience, and crypto is the natural language of communication with the new generation of buyers.
Walmart-backed OnePay offers credit and debit cards, high-yield savings accounts, buy now, pay later loans and a digital wallet with peer-to-peer payments. Photo obtained from OnePay website
For shoppers, the benefits are obvious: launch the app, top up the ETH wallet, pay for the purchase with no «international transfer» fees and no blockchain knowledge. The exchange happens in fractions of a second, and the client does not face currency risk.
For the crypto market, this event can be an important signal. Walmart is not just a large company; it is part of the everyday infrastructure of the U.S. And if such a player starts accepting Ethereum, cryptocurrencies move into the category of familiar financial instruments — similar to when PayPal added digital assets and later launched the PYUSD stablecoin.
💡 Market reaction could be strong: Ethereum gains more trust as a payment asset, and Walmart’s competitors will be forced to consider similar solutions. This increases the overall adoption of cryptocurrencies and gradually makes them part of the standard consumer economy.
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