OpenAI Launches ChatGPT Wallet, Enabling AI Agents to Shop on Behalf of Users

On Friday, OpenAI launched ChatGPT Wallet, a new payment feature that allows its "dots" AI agents to complete purchases on behalf of users.

OpenAI Teams Up with Financial Giants to Launch ChatGPT Wallet

OpenAI stated that ChatGPT Wallet is the first payment wallet designed to enable AI agents to conduct transactions without accessing users' actual card information. It also enforces security verification for every purchase while retaining existing card rewards and protections for eligible disputes.

The AI lab noted that it developed ChatGPT Wallet in collaboration with American Express, Mastercard, and Visa.

"ChatGPT Wallet marks our first Amex agentic commerce experience integration, enabling eligible card members to use their Amex card while reviewing and approving each purchase," said Luke Gebb, Executive Vice President and Head of Global Innovation at American Express, in an OpenAI blog post.

OpenAI began rolling out ChatGPT Wallet via dots on Friday, allowing users to delegate purchases to their AI agents. The feature will initially be available to U.S.-based ChatGPT Pro subscribers aged 18 and older with eligible cards issued in the United States.

The company noted that users will review the items, total amount, and selected card before approving each purchase via Face ID or fingerprint verification. The payment network then generates a token with alternative card details, allowing the transaction to be charged without revealing users' actual card information to merchants or AI agents.

Chaya Nayak, OpenAI's Head of Product for Monetization and Payments, told CNBC that the company's goal is to prioritize merchant and network partners while building a secure, user-friendly foundation for the service.

OpenAI plans to collaborate with enterprises, banks, and payment networks to gather feedback from initial users and gradually expand access, extending the benefits of AI-driven commerce to more consumers and businesses.

In May of this year, OpenAI launched a new personal finance feature for ChatGPT users, allowing direct connection to financial accounts through supported institutions.

AI Agent Race Heats Up

In September, Meta Platforms, Inc. launched Muse, a personal AI agent that can browse websites, organize emails, and complete multi-step tasks on its own. The AI agent quickly went viral, with approximately 2.5 million downloads in the U.S. within two weeks of its September 8 release.

Last month, the app surpassed 10 million downloads in the U.S.

ByteDance Ltd. is reportedly planning to launch an AI agent similar to Meta's in the coming weeks to compete with its U.S. counterpart in the AI race.

However, AI agents are facing adoption resistance. Shortly after Muse's launch, Amazon.com, Inc. blocked the AI agent from shopping on Amazon.com, escalating a dispute over how third-party agents access the online store.

Amazon's 2026 agent rules require automated systems to identify themselves and stop accessing its services upon request.

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