Consumers in the U.S. were burdened with using separate apps for banking, payments, crypto trading, and shopping – a fragmented experience that created friction in their financial lives. Bolt recognized this gap in the market: more than one-third of Americans reported wanting a single “super-app” to manage all their finances . At the same time, Bolt’s own growth had stagnated; the founder acknowledged that the company’s revenue had been lackluster in recent years . This twin challenge of unmet user needs and slowing business momentum compelled Bolt to rethink its strategy. The company decided to return to its original vision of an integrated financial tool, aiming to solve a major pain point for consumers and revitalize Bolt’s trajectory in one bold move.

Bolt set out to build a single, unified hub for all things money – described by its CEO as a “centralized and personalized hub for financial services” and even a “financial operating system” for the modern consumer . The SuperApp’s goal was to eliminate the need to juggle multiple apps by bringing together traditional banking and decentralized finance in one place. Users would be able to shop, spend, save, invest, and send money all within one app . To achieve this, Bolt packed the app with features: support for both fiat accounts and cryptocurrencies side-by-side, one-click e-commerce checkout, peer-to-peer payments, and an integrated rewards program. They even added an AI-powered shopping assistant to personalize the experience. Behind the scenes, Bolt partnered with an FDIC-insured bank and crypto infrastructure provider to ensure seamless interoperability between fiat and digital assets under one roof . The overarching goal was clear – no more switching between platforms. As the company proclaimed, “No more juggling apps, no more friction. Just one single app, and one single click, for everything to do with your money” .

‍

In 2025, Bolt successfully launched the SuperApp, delivering on its vision of an all-in-one finance solution. The new app became one of the first of its kind in the United States, combining everyday banking features with crypto asset management and even an AI shopping agent in a single package . Users can seamlessly handle both traditional transactions and cryptocurrency trades within the same interface – for example, the app supports “dual-rail” payments in fiat and crypto and debuted with over 40 digital currencies supported at launch . The inclusion of an agentic AI shopping assistant further set the SuperApp apart, proactively finding deals and making purchases based on user preferences . With this innovative feature set, Bolt’s solution transcended simple payments and positioned the company as a new contender in the fintech arena, directly challenging established players like PayPal and Cash App on their home turf . Notably, the project was executed at breakneck speed – the team built and rolled out the SuperApp in just about six months, with an intense final push in the last two months . By launch day, Bolt had effectively redefined its brand around the SuperApp concept, signaling to the market that the once one-click checkout startup had evolved into a comprehensive, user-first financial platform.