OpenAI Unveils ChatGPT Wallet: AI-Powered Online Shopping

OpenAI has taken a significant step in the digital technology sector by introducing ChatGPT Wallet. This new feature enables Dots AI agents to execute purchases on behalf of the user. The project was launched in partnership with financial giants including American Express, Mastercard, and Visa. At this stage, the innovation is available exclusively to ChatGPT Pro subscribers in the United States.## How ChatGPT Wallet WorksThe process for users is straightforward: you simply add a bank card to your digital wallet once. From then on, you can ask a Dots AI agent to find specific items or book services, such as selecting clothing or reserving a hotel for a trip. At the moment of payment, detailed information will appear on the screen, including the merchant's identity, a list of products, and the total cost. To complete the transaction, biometric authorization, such as Face ID or fingerprint scanning, is required.To ensure security, OpenAI has implemented a tokenisation system. Real card data is never shared with third parties or the AI agent itself. After each approved purchase, the payment network creates a unique token containing a temporary card number, security code, and expiration date. This approach preserves all card privileges for the user, including reward points and the right to dispute charges if a purchased item is found to be defective.## Future Prospects and ChallengesOpenAI’s plans do not stop there. The company aims to allow users to fully delegate the purchasing process to AI agents. In the future, it will be possible to set parameters such as spending limits, preferred categories, or specific time frames, after which the system will automatically perform operations based on prior consent.Of course, the success of the technology also depends on the readiness of websites. Some online stores currently block activities performed by AI agents. To address this, OpenAI has published a special guide for businesses called the Commerce Partner Playbook. It explains in detail how retail platforms and payment systems should adapt to this new reality to ensure legitimate purchases are not blocked.Although the service is currently available only in the US, it continues the evolution of ChatGPT, which began with the introduction of ChatGPT Finance and the expansion of agent capabilities. While this feature is not yet available to users in Georgia, the trend is clear: artificial intelligence is increasingly becoming an active participant in our daily financial decisions.