In brief
ChatGPT Wallet lets OpenAI’s dots complete purchases with tokenized card details, after users approve each transaction. The limited rollout targets U.S. ChatGPT Pro users; the wallet does not hold crypto or a cash balance. Coinbase and Circle offer a different route, using stablecoins to let agents pay for services with less human involvement.
OpenAI launched ChatGPT Wallet on Friday, giving its AI agents a way to purchase products using American Express, Mastercard, and Visa cards. The new system lets an agent finish online checkout without accessing the customer’s actual card number, and it doesn’t involve cryptocurrency.
The wallet works through dots, OpenAI’s always-on AI assistants, which can browse websites and carry out tasks for users. A customer saves an eligible card, reviews the order and approves the payment using a security check such as a fingerprint or Face ID.
After approval, the card network creates a payment token containing substitute card details. The agent submits the token through the merchant’s existing checkout system, while the customer keeps applicable card rewards and dispute protections, according to OpenAI’s announcement.
“An agent making a purchase should strengthen,
