OpenAI launches ChatGPT Wallet, allowing its 'dots' AI agents to make purchases for users

OpenAI CEO Sam Altman speaking at Oracle AI World in Las Vegas, Nevada, on Oct. 27, 2026.

CNBC

OpenAI on Friday announced ChatGPT Wallet, a new payment feature that enables its "dots" artificial intelligence agents to make purchases on behalf of users.

The company built ChatGPT Wallet in partnership with American Express, Mastercard and Visa, and it allows cardholders to maintain their existing credit card rewards and protections. Eligible users enter their card information once, prompt their dot to find items to buy and approve each purchase with a security check.

OpenAI said its dots agents will never actually access a user's card details. Instead, their payment networks will provide the dot with a "payment token," which contains a scoped card number, security code and expiration date that is specific to a given transaction.

"Our goal here is to really focus on merchants and our network partners and start building out a really great foundation that's safe and easy to use," Chaya Nayak, who leads product for monetization and payments at OpenAI, told CNBC in an interview.

ChatGPT Wallet comes as a growing number of consumers are exploring how to use personal AI agents to manage their calendars, book travel and complete other day-to-day tasks. OpenAI introduced the dots agents during its annual developer conference in late September, shortly after Meta's Muse offering topped the App Store charts.

Purchases made through ChatGPT Wallet could eventually kickstart a new revenue stream for OpenAI, but the company said it is not taking a cut of transactions to start. With the initial launch, OpenAI is working to build relationships with merchants and position itself as a serious platform for shoppers, especially as vendors are beginning to experiment with personal agents.

Nayak said ChatGPT Wallet builds on OpenAI's previous efforts, particularly around product discovery.

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