OpenAI Launches ChatGPT Wallet to Let AI Agents Shop—Without Crypto

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, not bypass, the trust built into payments,” Sherri Haymond, Mastercard's global head of digital commercialization, said in the announcement.

The rollout is limited to ChatGPT Pro subscribers aged 18 or older in the United States with eligible U.S.-issued cards. Wallet is available in dots conversations, not ordinary ChatGPT chats, and every purchase currently requires the user's approval.

OpenAI previously introduced Instant Checkout with Stripe in September 2025, allowing people to buy from participating merchants inside ChatGPT. Wallet takes a different approach: agents can navigate ordinary online stores and use existing checkout forms, without requiring each business to build a special integration.

OpenAI is also courting merchants. Just three days before the Wallet launch, it introduced business profiles that let companies update product information and connect with potential customers through ChatGPT.

Google is working on a competing approach. Its Universal Commerce Protocol, introduced in January, aims to connect shopping agents with retailers, payment providers and post-purchase services across Google products.

Crypto wallets take another route

Coinbase launched Agentic Wallets in February, giving software the ability to spend USDC, trade tokens, and pay for online services within preset limits. Unlike ChatGPT Wallet, the Coinbase product is primarily developer infrastructure, not a consumer checkout feature.