According to CoinMeta, OpenAI launched the ChatGPT wallet on November 14, 2026, allowing its AI users to make purchases using regular credit cards without the need for cryptocurrencies. The launch of this wallet is aimed at challenging the encrypted payment tools of companies such as Coinbase and Circle. This feature is currently limited to ChatGPT Pro users in the United States, and users must approve each transaction. OpenAI indicates that the wallet completes transactions through tokenized card information, ensuring that users' actual card numbers are not accessed.