This prompts a question.

When I originally signed up for One, I bought the card at Walmart and paid a $1 fee. I then needed to link this card to a OnePay Cash account in order to get banking features (aka a routing/account number). This is important if you are trying to move the funds out, either by pulling from an external bank or paying off your CC from this account.

Assuming that a OnePay shutdown means they close your OnePay Cash account (and thus, you can't push/pull anything), what does OnePay do in the event that I buy another OnePay card (the one with the $1 fee)? Will I just be unable to use this card because they refuse to let me reopen a Cash account? That seems like a logistical nightmare for them unless they can very easily refund the original method of purchase.

Or does that card basically turn into a prepaid debit where my only path to liquidation is spending down the balance? If this were the case, there may be some small use cases (such as loading it up with a bunch of VGCs and then making a large tax payment) but overall it's not an ideal option. Still, the process for buying a OnePay card at SCO is as simple as "scan your card, choose your balance, swipe your debit to fund it". There is no verification until you are trying to link to a OnePay Cash.