November 15, 2026
On Friday, OpenAI announced the launch of a new service called “GBT Chat Wallet,” which enables artificial intelligence agents to make electronic purchases and payments on behalf of users, without revealing their bank card data, while imposing strict security verification procedures before completing any transaction.
The new service was developed in cooperation with prominent international payment companies: Visa, MasterCard, and American Express, with the aim of simplifying shopping processes through artificial intelligence while ensuring the highest levels of privacy for financial information.
In its first phase, the service will be available exclusively within the United States to subscribers of the “Chat GPT Pro” package who are 18 years of age or older, provided that they possess eligible bank cards issued by American authorities, and will be used through artificial intelligence agents known as “Dots.”
The service provides users with the ability to review the details of the products to be purchased, and know the total cost and the card used, before granting final approval via biometric verification technologies, such as fingerprint or facial recognition.
To enhance data security, the wallet adopts a system that replaces real card information with digital payment codes. This prevents the merchant or AI agent from accessing sensitive card details.
OpenAI plans to expand the service’s capabilities in the future, allowing users to authorize artificial intelligence agents to make purchases automatically based on preconditions, including spending caps, the type of products allowed, and time frames for implementation.
This innovation reflects an advanced step towards integrating artificial intelligence into the e-commerce sector, moving beyond the stage of research and comparison to the actual implementation of purchases on behalf of consumers within tight security and financial controls.
