OpenAI has introduced a new wallet feature within ChatGPT that empowers artificial intelligence agents to execute purchases directly on behalf of users.
Developed in partnership with major financial networks including American Express, Mastercard, and Visa, the capability allows automated agents to complete transactions through established card infrastructure.
At launch, the feature is accessible exclusively to ChatGPT Pro subscribers in the United States using eligible domestically issued payment cards.
Security for the new purchasing wallet relies on biometric verification, such as facial recognition or fingerprint authentication, to confirm transactions.
To safeguard sensitive financial information, payment networks generate unique tokenized credentials for every approved purchase.
This system ensures that neither online merchants nor the underlying AI models gain access to users' actual credit or debit card numbers.
OpenAI indicated it is collaborating with payment processors and fraud detection firms to integrate with existing checkout architectures.
The company also announced plans to expand functionality in the future, enabling preauthorized purchases within defined spending caps and criteria without requiring manual authorization for every individual transaction.
The move comes as the broader tech industry aims to evolve AI capabilities beyond product suggestions into full commercial execution.
A growing ecosystem of providers is racing to construct transaction tools for autonomous systems.
Google unveiled its Agent Payments Protocol in 2025, while leading traditional card networks have launched separate programs designed for AI-initiated orders.
Concurrently, the crypto sector has been advancing automated transaction rails.
Coinbase launched its x402 protocol in 2025 to facilitate autonomous stablecoin payments for digital services, Circle rolled out its Agent Stack in May to allow agents to spend USDC within predetermined parameters, and infrastructure provider Crossmint created a hybrid solution linking stablecoin wallets with legacy card networks.
Industry forecasts suggest rapid growth for autonomous commerce.
According to an April study released by Juniper Research, global transaction volume driven by agentic commerce is expected to climb from an estimated $8 billion in 2026 to $1.5 trillion by 2030, reflecting a dramatic shift in digital shopping behaviors.
