OPPORTUNITY

Launching Crypto Without Rebuilding Infrastructure

Crypto is increasingly expected inside modern finance apps. Consumers want to buy and hold digital assets alongside traditional financial products without switching platforms. Competing fintechs already offer crypto trading, raising competitive pressure. 

But building a crypto brokerage stack internally introduces material complexity. Trading infrastructure requires access to deep liquidity, smart order routing, regulated digital asset custody, transaction monitoring, wallet management, and compliance coverage across U.S. jurisdictions. Engineering and licensing demands can delay time to market and increase operational risk. 

OnePay needed a way to launch crypto trading quickly while maintaining regulatory alignment, security standards, and full control over the customer experience.

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SOLUTION

Full-Stack Regulated Crypto Trading Infrastructure

OnePay integrated zerohash’s crypto-as-a-service APIs to power embedded crypto trading within its app. zerohash provides regulated brokerage infrastructure, including liquidity aggregation, execution services, qualified custody, wallet orchestration, and transaction monitoring. 

The integration supports 24/7 trading in supported digital assets, allowing eligible users to buy, sell, and hold Bitcoin and Ethereum without leaving the OnePay environment. zerohash manages regulatory licensing, compliance oversight, and backend trade lifecycle processes (execution, settlement, custody, and reporting) within one unified framework. 

Fiat on- and off-ramp functionality enables seamless movement between dollars and digital assets. Production-ready APIs and SDKs allowed OnePay to launch without building complex trading systems internally.

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OUTCOME

Crypto Access Inside a Unified Finance Experience

Eligible OnePay customers can now trade Bitcoin and Ethereum directly inside the app they already use for savings and payments. The crypto experience feels native and integrated rather than bolted on. 

By embedding regulated digital asset trading infrastructure, OnePay expanded its product suite without increasing compliance risk or engineering overhead. Customers gain trusted access to crypto within a familiar financial environment. 

The launch strengthens OnePay’s competitive positioning as digital assets move from niche offering to expected capability within consumer finance platforms.