Key Highlights
- Walmart’s majority-owned OnePay has rapidly expanded from 2 to over 15 crypto tokens since its January crypto debut
- Latest additions feature Solana, Cardano, Polygon, Arbitrum, SUI, Bitcoin Cash, and PAX Gold
- The service focuses on cryptocurrency newcomers, emphasizing demand, liquidity, and clear regulatory status
- OnePay aims to become a comprehensive US “superapp” offering banking, payment solutions, lending, and digital assets
- New SEC Chair Paul Atkins has voiced approval for unified financial service platforms operating under a single regulatory structure
The fintech application OnePay, which is controlled by retail giant Walmart, has significantly broadened its cryptocurrency selection to exceed 15 different tokens within a matter of months.
When the platform introduced its cryptocurrency features in January, only Bitcoin and Ethereum were available. The service has subsequently incorporated Solana, Cardano, Bitcoin Cash, PAX Gold, Polygon, Arbitrum, and SUI, along with several additional options.
According to Ron Rojany, who serves as OnePay’s general manager for Core App and Crypto, the selection criteria for these digital assets centered on user demand, market liquidity, clear regulatory guidelines, and sustainable long-term value.
“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 indicated that the platform is experiencing robust user engagement, particularly among individuals taking their first steps into cryptocurrency who want a straightforward entry point. He declined to provide specific user metrics.
Beyond cryptocurrency, OnePay provides high-yield savings products, credit and debit card options, lending services, and wireless phone plans. The platform features a digital wallet compatible with Walmart physical locations and the retailer’s online shopping platform.
With Walmart’s US division recording $462.4 billion in net sales during fiscal year 2025, OnePay has access to an enormous potential customer pool.
Building America’s Next Superapp
OnePay positions itself as an American answer to the “superapp” concept, drawing inspiration from China’s WeChat platform where consumers manage nearly all their financial activities through a single interface.
The company isn’t pursuing this objective in isolation. Coinbase CEO Brian Armstrong revealed plans in late September to create a comprehensive crypto superapp featuring credit cards, payment processing, and Bitcoin rewards programs designed to challenge traditional banking institutions.
Meanwhile, Japan’s Startale Group announced its intention to utilize a $50 million Series A investment to develop a superapp integrating payments, wealth management, and blockchain-based services.
Favorable Regulatory Environment Emerges
SEC Chair Paul Atkins indicated in September his backing for platforms delivering multiple financial services within a unified regulatory structure.
In July, Atkins revealed he instructed SEC personnel to create guidance enabling the “super-app” concept to become operational reality. The revised regulatory approach would permit platforms to provide trading, lending, and staking capabilities under a consolidated framework.
“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 introduced its latest tokens — SUI, Polygon, and Arbitrum — merely days after adding the previous group of 10 cryptocurrencies, demonstrating an aggressive expansion timeline since the January rollout.
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