Key Highlights
- Walmart’s majority-owned OnePay has rapidly expanded its cryptocurrency selection, adding more than a dozen digital assets since its January debut with Bitcoin and Ethereum
- The expanded lineup features prominent tokens such as Solana, Cardano, Polygon, Arbitrum, SUI, Bitcoin Cash, and PAX Gold
- OnePay’s strategy focuses on attracting cryptocurrency newcomers by emphasizing user demand, market liquidity, and clear regulatory standing
- The company aims to establish itself as America’s premier “superapp,” integrating banking services, payment solutions, lending products, and digital assets
- Recent statements from SEC Chair Paul Atkins indicate regulatory openness toward comprehensive financial service platforms operating under unified oversight
OnePay, the digital financial services platform under Walmart’s majority ownership, has dramatically broadened its cryptocurrency portfolio to include more than 15 digital tokens within months of its initial launch.
When the platform unveiled its crypto capabilities in January, users could only access Bitcoin and Ethereum. The service has since incorporated a diverse range of assets including Solana, Cardano, Bitcoin Cash, PAX Gold, Polygon, Arbitrum, and SUI, with additional tokens continuing to be added.
According to Ron Rojany, who serves as OnePay’s general manager overseeing Core App and Crypto operations, the selection process for these digital assets prioritizes market demand, trading liquidity, regulatory transparency, and sustainable utility over the long term.
“We’re less focused on chasing the latest asset and more focused on offering a curated set of assets that align with how our customers actually use and think about their money,” Rojany told Cointelegraph.
Rojany noted that the platform is experiencing robust user engagement, particularly among individuals who are entering the cryptocurrency space for the first time and seeking a straightforward entry point. Specific metrics regarding user adoption were not disclosed.
Beyond cryptocurrencies, OnePay provides high-yield savings products, both credit and debit card options, various loan products, and wireless service plans. The platform also features a digital payment wallet integrated for transactions at Walmart physical locations and through Walmart’s online shopping platform.
With Walmart’s US operations generating net sales of $462.4 billion during fiscal year 2025, OnePay has access to an extensive existing customer base for potential expansion.
Building America’s Answer to WeChat
OnePay has positioned itself as the American equivalent of a “superapp,” drawing inspiration from China’s WeChat platform, where consumers manage virtually all aspects of their financial lives through a single application.
The company faces competition in this ambitious objective. Coinbase CEO Brian Armstrong revealed plans in late September to develop a comprehensive crypto superapp featuring credit card products, payment processing, and Bitcoin-based rewards programs designed to challenge traditional banking institutions.
Japan’s Startale Group has similarly announced intentions to utilize its $50 million Series A investment to construct a superapp that combines payment services, wealth management capabilities, and blockchain-based functionalities.
Favorable Regulatory Environment Emerging
SEC Chair Paul Atkins indicated in September his support for platforms that deliver multiple financial services operating within a single regulatory structure.
In July, Atkins announced he had instructed SEC personnel to craft guidance facilitating the realization of the “super-app” concept. This revised regulatory approach would enable platforms to provide trading, lending, and staking services all under one organizational structure.
“We’re still early and our focus is on building our crypto platform the right way: creating a trusted, safe and intuitive experience for everyday customers,” Rojany said.
OnePay integrated its latest token additions — SUI, Polygon, and Arbitrum — mere days following the listing of the previous group of 10 cryptocurrencies, demonstrating an aggressive expansion timeline since the platform’s January introduction.
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