OpenAI announces the launch of ChatGPT Wallet in partnership with Visa, Mastercard, and American Express.
This is an extremely important step in the commercialization of AI: AI agents are beginning to gain the ability to execute transactions on users’ behalf.
The core process: Users simply give an instruction (what to buy), and AI automatically finds products, compares prices, and places orders. When it’s time to pay, users authorize and confirm the payment—without having to share their actual bank card details with the agent. The initial rollout is limited to Pro users in the United States.
Xiaohuihui believes this marks a shift in the internet’s underlying commercial logic:
The old model: Users open an app—search—view ads—make a purchase.
The future model: Users tell AI what they need—AI completes the transaction directly.
Once this model takes off, the businesses disrupted won’t just be e-commerce platforms, but also traditional search advertising, traffic distribution, and shopping entry points.
The internet used to compete for “users’ attention.” In the future, AI will compete for “the right to make users’ purchasing decisions.”
This is an extremely important step in the commercialization of AI: AI agents are beginning to gain the ability to execute transactions on users’ behalf.
The core process: Users simply give an instruction (what to buy), and AI automatically finds products, compares prices, and places orders. When it’s time to pay, users authorize and confirm the payment—without having to share their actual bank card details with the agent. The initial rollout is limited to Pro users in the United States.
Xiaohuihui believes this marks a shift in the internet’s underlying commercial logic:
The old model: Users open an app—search—view ads—make a purchase.
The future model: Users tell AI what they need—AI completes the transaction directly.
Once this model takes off, the businesses disrupted won’t just be e-commerce platforms, but also traditional search advertising, traffic distribution, and shopping entry points.
The internet used to compete for “users’ attention.” In the future, AI will compete for “the right to make users’ purchasing decisions.”