Walmart Integrates Crypto Payments via OnePay App

• Lyla Velez
• January 10, 2026
• Adoption
• 0 Comments

Walmart has introduced a feature enabling cryptocurrency spending via its OnePay app. While marketed as Bitcoin acceptance, this system converts Bitcoin to USD within the app for spending at checkout.

Walmart’s move matters as it reflects the growing acceptance of cryptocurrency in mainstream retail without direct ledger integration, impacting user spending habits and digital currency perception.

Walmart has launched a new feature through its OnePay app, allowing customers to convert Bitcoin into USD for payment at checkout. Users first sell their BTC inside the app, which then facilitates the purchase transaction in traditional currency.

Walmart’s leadership has not directly announced the decision. Instead, exchanges like Binance have shared updates about the OnePay integration. Walmart remains the direct integrator, leveraging its in-house finance app to handle crypto-to-fiat conversion.

The update impacts both customers and the retail market, highlighting traditional retailers’ interest in crypto transactions. It supports a notable shift without requiring on-chain integration. Users enjoy seamless spending of digital assets, creating potential trends in mainstream acceptance.

“Bitcoin [should] be viewed as an investment against the depreciation of the fiat currency.” – CK Zheng, Cofounder & CIO, ZX Squared Capital

Financially, this supports Bitcoin and Ethereum usability but does not directly affect Walmart’s balance sheet in digital assets. The move reflects a broader retail strategy to leverage existing platforms for emerging payment technologies without altering core financial processes.

This approach shares similarities with other retailers like Starbucks. These integrations historically boost adoption narratives without directly influencing market liquidity patterns. They signify symbolic support for wider crypto integration while maintaining traditional settlements.

Walmart’s move may spark interest in regulatory discussions concerning digital asset transactions, taxable events, and privacy implications in retail payments. Current frameworks depend heavily on conversion platforms like OnePay for manageable compliance within the evolving digital ecosystem.