OpenAI gives ChatGPT a wallet so AI agents can spend your money

Your AI assistant can now empty your bank account, provided you give it explicit permission first. OpenAI launched a wallet feature on Friday that lets its AI agents, called dots, handle purchases from start to finish. The tool rolls out initially to a limited group of U.S.

ChatGPT Pro subscribers who are 18 and older. To use the system, customers link a U.S.-issued Visa, Mastercard, or American Express card to a new ChatGPT Wallet once. When a dot checks out, the wallet charges the card using a payment token instead of exposing real card data to the merchant or the agent.

OpenAI states that users keep control by reviewing totals and approving transactions with a biometric check like Face ID or a fingerprint. Our read: this architecture tries to solve the trust barrier that has kept agentic commerce sluggish for delivery apps like DoorDash and Uber, even as competitors like Meta report high shopping engagement.

Cardholders still earn rewards and keep dispute protections under this setup, according to OpenAI.

Yet wide adoption faces major friction.

Major retailers are blocking AI bots from their sites, led by Amazon as it pushes its own Alexa agent.

OpenAI plans to combat this pushback with a Commerce Partner Playbook to help retailers adapt, alongside future updates like customizable spending limits for fully autonomous buying.