KEY POINTS
- OpenAI launched a wallet in ChatGPT that lets AI agents make purchases using existing card networks.
- The rollout starts with ChatGPT Pro subscribers in the US who hold eligible US-issued cards.
- Juniper Research expects global agentic commerce to reach $1.5 trillion by 2030, up from about $8 billion in 2026.
OpenAI has introduced a payment feature in ChatGPT that allows AI agents to buy things on behalf of users. According to Cointelegraph, the company announced the launch on Friday and built it in collaboration with American Express, Mastercard and Visa.
Users approve each transaction with biometric verification, such as facial recognition or a fingerprint. For every approved purchase, the payment networks create tokenized card credentials. OpenAI said this setup keeps a user's real card details away from both merchants and AI agents.
The service is rolling out first to ChatGPT Pro subscribers in the United States, and only cards issued in the country are eligible. OpenAI has not described a wider availability schedule in the material reported by Cointelegraph.
The company also said it plans to add support for purchases made within preset spending limits and other restrictions. In that mode, users would not need to approve every single transaction.
The move reflects a broader push by AI companies to go beyond recommending products and start carrying out transactions. That shift could change how consumers interact with online merchants. OpenAI said it is working with payment processors and fraud prevention firms so that AI-driven purchases can run through existing checkout systems.
OpenAI is entering a field that already has several players. Google introduced its Agent Payments Protocol in 2025, and Visa and Mastercard have both launched their own initiatives to support transactions started by AI.
Crypto firms are building similar tools. Coinbase unveiled its x402 protocol in 2025, which enables autonomous stablecoin payments for digital services. Circle released its Agent Stack in May, letting agents hold and spend USDC within defined limits. Crossmint, a stablecoin infrastructure provider, combines stablecoin wallets with traditional card networks.
Juniper Research, in an April report cited by Cointelegraph, projected that the global value of agentic commerce transactions will reach $1.5 trillion by 2030. The firm estimated the figure at roughly $8 billion in 2026.
