Сэм Альтман предлагает дать каждой американской семье долю в OpenAI на $300

Sam Altman has resumed discussions in early July 2026 about a scheme under which every American family would receive a stake in OpenAI valued at approximately $300 — as direct citizen participation in artificial intelligence revenues. Simultaneously, the U.S. Department of the Treasury warned of threats that AI poses to the country's financial system.

What Altman Is Offering Americans

The idea of distributing shares or equivalent stakes in OpenAI among U.S. citizens has been advanced by Altman for several years. According to MIT Technology Review, in early July 2026 he is again discussing several mechanisms for state participation — ranging from direct stock transfers to the formation of an AI fund from which American families would receive regular payments.

The proposal emerged against the backdrop of a change in the company's legal structure: in 2025, OpenAI completed its transition from a nonprofit organization to a corporate structure with limited profit. With the company valued in the hundreds of billions of dollars, even a small stake would mean real money for each family.

• Proposed share size — approximately $300 per American family
• Several mechanisms are being considered: direct stock and an AI fund with government participation
• OpenAI transitioned to a limited-profit corporation structure in 2025
• The company's valuation reaches hundreds of billions of dollars

Why the Treasury Department Is Sounding the Alarm

In early July 2026, the U.S. Department of the Treasury released a warning about threats that AI poses to the financial system. Regulators identified three key risk zones: algorithmic trading, automated underwriting, and AI-based credit scoring systems — areas where decisions are already being made automatically and can systematically affect markets.

Particular concern centers on concentration: AI infrastructure in the financial sector is concentrated with a few major providers. A technical failure or cyberattack on one of them could trigger a cascading crisis. The Treasury Department urges banks and investment funds to diversify their AI providers and develop continuity plans in case key AI systems fail.

Two Perspectives on One Technology

Altman's proposal and the Treasury Department's warning reflect different facets of one reality: AI is becoming critical economic infrastructure, and the question of how to regulate it and how to distribute its benefits has become a state priority.

Altman consistently defends the thesis that the economic fruits of AI should belong to all Americans, not concentrate among a narrow group of investors and tech corporations. The scheme with $300 per family remains a political idea, not a corporate commitment — OpenAI has made no official announcement. But the fact that such negotiations are being held publicly signals a turning point in U.S. AI policy.

What This Means

The question is no longer whether the state will regulate the AI economy, but through which instrument: profit distribution, risk mitigation, or both mechanisms simultaneously. The July 2026 discussion sets precedents that will determine the relationship between the AI industry and the state for years to come.

Frequently Asked Questions

How much will each American family receive?

Under the proposed scheme — approximately $300 in the form of shares or equivalent OpenAI stakes. This is participation in company equity, not a direct cash payment; the actual value of the stake depends on OpenAI's valuation at the time of distribution.

What exactly did the Treasury Department warn about?

The Treasury Department pointed to risks of AI concentration among a few providers in the financial sector: algorithmic trading, credit scoring, and underwriting are vulnerable to cascading failures if key AI platforms fail. Regulators called on financial institutions to diversify their AI service providers.