Max Howenstine
114 posts

Max Howenstine
@howenstine_max
Product and founding team at @zerohashx

Same-day payments for international contractors are now live in Gusto. Wise Account or USDC stablecoin - contractors pick what works for them. Employers pay the same way they always have.




🚨 BREAKING: Walmart-backed OnePay just went live with crypto for 150 million weekly US shoppers. But here's what the headline misses: - You can't actually pay with Bitcoin at checkout. - You buy crypto in the app. - You sell crypto in the app. - The proceeds hit your OnePay Cash balance. - - Then you spend dollars at the register. - The Walmart POS never sees crypto. - It sees USD. --- So why does this matter? OnePay is building America's answer to WeChat. In 2025 alone they launched: → High-yield savings → Credit cards (via Synchrony) → BNPL (via Klarna) → $35/month unlimited wireless → P2P payments → Now crypto trading (via Zero Hash) --- OnePay is the untold story of Fintech - They're already #5 on the App Store for finance. - Ahead of Chase. - Ahead of Robinhood. - The crypto feature isn't the product. It's the hook to get 150 million shoppers into a financial super app. Because as good at OnePay is doing their penetrarion of potential customers is still small compared to the opportunity. --- The real winner here? Zero Hash. They're powering OnePay. They're powering E-Trade's crypto rollout. Morgan Stanley, Apollo, and Interactive Brokers all invested in their $104M round at a $1B valuation. --- We've seen "merchants accept crypto" fail in 2014, 2016, and 2021. This is not that OnePay's play is smarter: they're not trying to make crypto a payment rail. They're using crypto as an engagement feature to own the banking relationship. That's the real story.




The future of brokerage + wealth is onchain. 🌐⚡ 📅 Oct 9 → The Onchain Brokerage Summit 100+ C-suite leaders | UBS, Goldman, Morgan Stanley, Robinhood & more Deep dive into: Stablecoins | Regulation | Tokenization | Embedding Crypto 👉 Be part of the conversation.



Big news: zerohash has raised $104M Series D-2, led by @IBKR with participation from @MorganStanley, @SoFi, @Apolloglobal, and more. This is incredible validation and further underscores our trust with the largest global enterprises.











