OpenAI 的 dots 智能体可通过 ChatGPT Wallet 代用户购物，每笔需生物识别批准

Rohan Paul· @rohanpaul_ai · X·2026-11-14 02:01· 48 分钟前AI 评分67

AI 导读

OpenAI 的 dots 智能体现在可通过 ChatGPT Wallet 代用户购物，每次购买需生物识别批准。用户保存一次借记卡或信用卡后，智能体用以替代真实卡号的 token 支付，卡号对商户和智能体均不可见，持卡人保留原有奖励和保护；系统由 American Express、Mastercard 和 Visa 与 OpenAI 共同构建。

正文 · 原文

OpenAI’s dots agents can now buy things for users through ChatGPT Wallet, with biometric approval per purchase.

Users save a debit or credit card once, and the agent pays with a token that replaces the real card number.
That keeps card details away from both the merchant and the agent, while cardholders keep their existing rewards and protections.
American Express, Mastercard and Visa built the system with OpenAI, which also released guidance for merchants that want to accept agent payments.
Access starts narrow, limited to US Pro subscribers aged 18 or older with eligible US-issued cards.
OpenAI plans to let users delegate purchases entirely later, setting spending limits and categories instead of approving each one.
Merchants could still stall that shift, since OpenAI warns some websites and fraud systems may block purchases made by agents.
Instant Checkout, OpenAI’s earlier attempt, needed brands to supply updated inventory, and after it was shelved in March, purchases moved into brand-built plug-in apps.
The wallet needs neither, since the agent pays on a store’s ordinary checkout page, provided the site lets bots in.

Many sites don’t: United Airlines started blocking agents on Wednesday, joining Amazon and eBay in guarding customer data and ad revenue.

So the wallet’s reach will depend on merchants agreeing to allowlist OpenAI’s agents and teach fraud systems to accept legitimate bot purchases. x.com/ChatGPT/status/21212831…

来源：Rohan Paul · x.com

事件后续 · 1

查看事件全部

同事件ChatGPT 推出 ChatGPT Wallet，dot 可在用户批准下代为完成购买ChatGPT · 2 小时前