In brief

• OpenAI launched ChatGPT Wallet, a payment feature letting its dots AI agents buy products for users.
• Access is limited to adult ChatGPT Pro subscribers in the United States with U.S.-issued cards.
• Each purchase requires user review and a biometric security check, and agents never see the real card number.

How the wallet works

OpenAI built ChatGPT Wallet with American Express, Mastercard and Visa. Users add a payment card once. The agent then searches for a product on request, and the user checks the item, the total price and the chosen card before confirming the order with a biometric check, such as facial recognition or a fingerprint scan. (ChatGPT Is Ready to Reach Into Your Wallet – Gizmodo) (OpenAI launches ChatGPT Wallet, allowing its 'dots' AI agents to make purchases for users – CNBC) (OpenAI spustila digitální peněženku. Umělá inteligence nakoupí za uživatele – iDNES.cz)

The agent never receives the real card number. The payment network issues a single-use token with its own number, security code and expiry date, tied to that one transaction. Cardholders keep their existing rewards and purchase protections. (ChatGPT’s new Wallet lets AI agents shop and check out for you – TechCrunch) (ChatGPT научился покупать товары за пользователя — OpenAI запустила собственный кошелёк для ИИ-агентов – ixbt.com)

Who can use it

Access is limited for now to users aged 18 and over who hold ChatGPT Pro subscriptions and a U.S.-issued card. OpenAI describes the rollout as limited so it can test the system under controlled conditions before widening access. (OpenAI spustila digitálnu peňaženku, ktorá umožní umelej inteligencii nakupovať za používateľov – HNonline.sk)

Known problems

OpenAI acknowledged that merchant websites and fraud-protection systems may wrongly block purchases made by agents. The company is working with payment providers Stripe, Adyen and Checkout.com and has issued guidance for merchants. (OpenAI запустила ChatGPT Wallet — кошелёк, через который ИИ-агенты оплачивают покупки, не видя данных карты – The Insider)

Context

OpenAI says ChatGPT has about 1.2 billion weekly users, many of whom use it to search for and compare products. Other consumer AI tools have also moved into shopping. Meta's Muse reports AI-assisted shopping is a leading activity on its app, while DoorDash and Uber have reported few orders placed by AI agents.

OpenAI has not announced a timetable for wider availability outside the United States.