OpenAI is expanding its artificial intelligence capabilities into digital payments with the introduction of ChatGPT Wallet, a feature designed to allow AI agents to make purchases on behalf of users with their authorization.
Developed in partnership with American Express, Mastercard and Visa, the wallet is initially available in the United States to ChatGPT Pro subscribers aged 18 and older with eligible US-issued payment cards. Users can access the service through Dots, OpenAI’s always-on AI agents.
The system allows users to review their selected items, total purchase cost and payment card before approving each transaction. Purchases are authorized through security checks such as Face ID or fingerprint verification.
To strengthen payment security, the system uses tokenized payment credentials instead of exposing actual card details. According to OpenAI, this means neither the merchant nor the AI agent receives direct access to the user’s underlying card information.
OpenAI also plans to expand the system towards more autonomous shopping experiences. In the future, users could give AI agents permission to make purchases within predefined conditions, including spending limits, approved product categories and specific time periods.
The development represents another step towards agentic commerce, an emerging approach in which artificial intelligence systems can independently carry out tasks such as researching products, comparing options and completing purchases within user-defined permissions.
While the initial rollout remains limited to eligible US customers, the initiative signals OpenAI’s growing interest in connecting AI assistants with everyday financial and commercial activities.
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