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You can now tempt fate and give your banking information to ChatGPT
OpenAI has launched ChatGPT Wallet, which lets its Dots AI agents prepare purchases for users. The feature matters because it brings AI assistants into online payments, asking users to connect financial information while raising questions about security and how much control agents should have.
Users must approve each purchase through a security check such as Face ID or a fingerprint scan. Merchants receive a payment token rather than the card details, and OpenAI says existing card rewards and protections remain; it has partnered with American Express, Mastercard and Visa. The US rollout is limited to Pro subscribers aged 18 and over, and OpenAI says it is not currently taking a cut of purchases.
In short
- ChatGPT agents can prepare purchases for users.
- Every payment needs a biometric or similar approval.
- Wallet is initially limited to US adults on Pro.
Steelman: both sides, in good faith
The strongest fair case each way — we don't pick a winner.
The case for
Connecting payment details to an AI assistant could make routine purchases quicker and more convenient, while letting users delegate preparation without handing over final approval. The reported safeguards—approval for every purchase, biometric checks and payment tokens that conceal card details from merchants—may offer a practical way to use AI for shopping while retaining user control and existing card protections.
The case against
Even with approval required, an assistant that handles financial information and prepares purchases creates new security and privacy risks: a breach, error or misleading recommendation could expose users or steer them towards spending they did not intend. Critics may also argue that biometric prompts and payment tokens do not fully answer how data is stored, how agents behave, or how responsibility is assigned when something goes wrong, making caution appropriate before such tools become widespread.