Core Insights - OnePay, a fintech company supported by Walmart, plans to launch Bitcoin and Ethereum services by the end of 2025, aligning with the trend of cryptocurrency integration in the U.S. financial services sector [2][3] - The OnePay app currently offers high-yield savings accounts, peer-to-peer payments, and buy-now-pay-later options, and will soon allow users to buy, hold, and convert cryptocurrencies for cash at Walmart stores [2][3] - The service is backed by Zerohash, which recently raised $104 million from investors like Morgan Stanley and Interactive Brokers, simplifying regulatory compliance and scalability for OnePay [2] Market Position and Strategy - OnePay's integration with Walmart's retail ecosystem provides access to 150 million shoppers weekly, creating a unique distribution advantage [3] - The app maintains independence from Walmart to attract a broader user base while seamlessly converting cryptocurrency holdings into everyday spending [3] - The addition of cryptocurrency features addresses a key gap in OnePay's offerings compared to competitors like PayPal and Cash App, enhancing user retention [3] Industry Trends - The move reflects the growing mainstream acceptance of cryptocurrency, accelerated by a shift in the stance of the Trump administration and major banks announcing plans to offer cryptocurrency services [3] - The potential for cryptocurrency to transition from speculative assets to practical consumer tools is highlighted, with a focus on secure transaction handling through Zerohash's solutions [3] - The timing of OnePay's expansion coincides with a bullish cryptocurrency market, with Bitcoin prices surpassing $120,000 and predictions of reaching $135,000 due to increased institutional demand [4]