OpenAI began rolling out ChatGPT Wallet on November 13, letting AI agents inside ChatGPT complete and pay for online purchases on a user’s behalf, with approval required for each one.

The first release is limited to ChatGPT Pro subscribers in the United States who are 18 or older and hold an eligible US-issued card. Purchases are made through the agents OpenAI calls dots.

Users add a card once. Before every purchase, ChatGPT shows the items, the total and the chosen card, and the user confirms with Face ID or a fingerprint. That approval is kept as a record of what was authorized.

The wallet was built with American Express, Mastercard and Visa. The card network issues a token with its own substitute number, security code and expiry date, so neither the agent nor the merchant sees the real card details. The product replaces Instant Checkout, which OpenAI dropped.

OpenAI says later versions may let agents buy without approving each transaction, within spending limits, product categories or time periods set in advance. That is not part of the first release.

Why it matters

Agent-led shopping is moving from demos to real payments, and OpenAI now joins rivals such as Anthropic, Meta, Google and Perplexity in offering it. The service is US-only for now, but online stores and payment providers elsewhere, including in the Arab region, will need to prepare for customers who are AI agents, while users should treat per-purchase biometric approval as their main safeguard.

Source: The Decoder

By the TechMojaz team