OpenAI has launched ChatGPT Wallet, a payment feature that will allow its AI agents to make payments on behalf of users. The company built the feature with American Express, Mastercard, and Visa, and it will initially be available only to Pro subscribers.
How the wallet works
OpenAI said the feature uses a payment token that the network provides after a user approves a transaction. The token substitutes for the user's card details, allowing an AI agent to complete a purchase without ChatGPT having to share those details.
Before each purchase, the user reviews the items, total, and selected card, then approves the transaction with a security check such as Face ID or a fingerprint scan. Each approval creates a record of the purchase the user authorized the agent to make. Users also will not need to add their card details every time they approve a purchase.
Rollout and partners
The feature will initially be available only through dots for ChatGPT Pro subscribers in the U.S. Alongside ChatGPT Wallet, OpenAI said it is releasing tools and guidance to help businesses support customers using agents.
Fees and crypto questions
The launch comes amid OpenAI's recent funding round. The company raised $15 billion at a $1.25 trillion valuation as investors seek exposure to the AI boom, CoinGape reported.
OpenAI told CNBC that it will not take a cut of the transaction fee at the initial rollout. There was no mention of whether the payment feature will integrate stablecoins or other crypto assets at some point.
Future trust and safeguards
OpenAI said it expects that over time users will trust AI agents completely with such purchases by setting clear payment instructions. Users will also be able to pre-approve transactions with enhanced safeguards, including biometric checks and clear authorization records.
