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

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.