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We built a ChatGPT plugin that cannot move your money

October 31, 2026·3 min read·Cambio Team
We built a ChatGPT plugin that cannot move your money

OpenAI does not let a plugin execute crypto transfers, so ours only reads: a quote, the coin that pays a chain’s fee, a swap’s status. What it does, what it leaves out, and what we can see.

Cambio now has a plugin in ChatGPT, public since 29 October. It shows a quote, names the coin that pays a network’s fee, and tracks a swap. It cannot create a swap or move a coin. Here is why, and how that shaped the rest of it.

Why we built it

People already bring swap questions to ChatGPT. In the 30 days to 30 October, more completed Cambio swaps came from a link in a ChatGPT answer than from any other website: 21 swaps, made by 18 people, with our own test swaps left out. A link only gets someone to our site. A plugin can put a real quote in the answer itself.

The rule that decided its shape

Our first idea was to copy our Telegram bot, where a swap can be created in the chat. OpenAI does not allow that. Its plugin guidelines list “Execution of money transfers, crypto transfers, or investment trades” among prohibited services (developers.openai.com/apps-sdk/app-submission-guidelines).

So the plugin only reads. Its three tools are marked read-only, and none of them can create an order.

What it does

  • Quote. Give it an amount and two coins. A card shows Cambio’s quote for that amount and, where we can compare, how it stands against other exchanges.
  • Gas help. Name a chain and it tells you which coin pays the fee there, and links the page that gets you a little of it. It covers Tron, BNB Smart Chain, Solana, Ethereum, Arbitrum, Base, Polygon and Avalanche.
  • Tracking. Give it your order number and the address you are receiving to, and it shows each stage of the swap with its time.

To swap, you press a button on the card. It opens cambio.one or our Telegram bot with the swap filled in, and you enter your address and send the deposit there. A deposit address never appears in ChatGPT. The plugin does not change who can swap either: our Terms and the countries we serve are the same as on the site.

Three small decisions

It asks instead of guessing

In our own testing, an assistant asked for 100 USDT to BNB filled in Tron, a network nobody had named. USDT sits on eight networks on our list, and a quote from the wrong one is a quote for a swap you cannot make. Now, when a coin is on several networks and you have not said which, the plugin names them and asks.

Tracking needs your receiving address

An order number alone shows nothing, because order numbers are short and easy to guess. The plugin makes the same check cambio.one makes: the address has to match the order.

The amount goes to the card, not the model

The amount you would receive goes straight to the card. The words the model reads do not carry it, and the model is told to leave prices out of its reply. If a sentence in the chat ever disagrees with the card, trust the card.

What we can see

Your conversation does not reach us. ChatGPT sends only what a tool needs: the coins and amount, the chain, or the order number and address. We record each call so we can tell whether anyone uses the plugin: the tool, what it was asked, your country if ChatGPT passes it, and a scrambled form of the ID ChatGPT gives you. The address you give to track a swap is checked and not recorded. It does stay in your chat, like anything else you type there.

What we do not know yet

The plugin is two days old. When we wrote this it had not led to a single swap, so we cannot say yet whether people want a quote in the chat or would rather click through to a page. We count its calls and orders apart from ordinary ChatGPT links, so we will be able to measure that.

How to try it

The “Use in ChatGPT” link in this site’s footer opens the plugin’s page. Install it, then ask in a chat, for example:

  • “How much SOL would I get for 50 USDT on Tron?”
  • “I have USDT on Tron but no TRX. What do I do?”
  • “Where is my swap?”, with your order number and receiving address.

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