OpenAI Launches ChatGPT Wallet, Lets AI Agents Make Purchases

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OpenAI has introduced ChatGPT Wallet, a new payment feature that allows AI agents to make purchases on behalf of users while keeping their actual card details hidden from the agent and merchant.

Announced on November 13, 2026, the wallet has been developed in partnership with American Express, Mastercard and Visa. It is initially rolling out through OpenAI's dots personal agent to eligible ChatGPT Pro subscribers in the United States.

The launch takes OpenAI further into online commerce, where AI is moving from helping people find products and compare options to participating in the actual purchase process.

But the company is taking a cautious approach. For now, users must review and approve every transaction through a security check, such as Face ID or fingerprint authentication.

The requirement shows one of the biggest challenges in AI-led commerce: allowing software to act on someone's behalf without giving it unrestricted control over their money.

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