Walmart has enabled digital asset payments in the United States through OnePay Cash, bringing Bitcoin spending to the checkout counter. Based on the source material, the feature runs through OnePay’s partnership with ZeroHash, allowing users to hold, trade, and spend crypto in the app while transactions are converted into U.S. dollars in real time at the point of sale.
Bitcoin at checkout, dollars on the merchant side
The rollout does not mean merchants are directly taking Bitcoin onto their balance sheets. The payment flow described in the source relies on OnePay for the consumer-facing experience and ZeroHash for the backend infrastructure. Walmart, identified in the material as serving more than 150 million weekly shoppers, has made the feature live across the U.S. When a customer pays at the terminal, the app handles instant conversion, and the merchant receives dollars, reducing exposure to crypto price swings in a retail environment.
OnePay is presented as a fintech platform majority-owned by Walmart. The app already includes high-yield savings, credit products, and wireless plans, and the addition of a dedicated crypto tab extends that offering into digital asset usage. The source also says the OnePay app is now in the top five finance apps on Apple’s App Store.
Market figures cited in the source moved higher
The article says that as of January 5, 2026, the total crypto market capitalization had risen to $3.26 trillion, up 1.76% over 24 hours. Bitcoin was listed at $92,754, also up 1.76% on the day. In that framing, a payment integration by a retailer of Walmart’s size was presented as a sign that digital assets were being used in ordinary commerce rather than only traded as speculative instruments.
The same source also includes another set of figures later in the text: total market cap at $3.15 trillion and Bitcoin at $92,653. Those numbers appear in different sections of the original material, and no single timestamp is given to reconcile them.
Custody and compliance as part of the retail push
Security and regulatory structure are another part of the source’s argument. It says ZeroHash provides 1:1 custody and operates under the New York State BitLicense framework. In practical terms, that setup keeps the crypto entry point visible to consumers while aiming to preserve settlement stability for retail merchants. For users, the change is simple: digital assets are being positioned not only as holdings inside an app, but as a payment option for everyday purchases.