DECRYPT · 2026-11-14 14:01 UTC

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

OpenAI launched ChatGPT Wallet on Friday, letting its dots AI agents buy products with American Express, Mastercard, and Visa cards without exposing the actual card number and without involving cryptocurrency. Each purchase requires the user's approval via a security check such as Face ID, and the card network issues a payment token the agent submits through the merchant's normal checkout. The rollout is limited to U.S. ChatGPT Pro subscribers aged 18 or older with eligible U.S.-issued cards, while Coinbase and Circle pursue stablecoin-based agent payments.

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