Wirex's Navoka Launches as First AI Agent to Use Own Bank Account and Card

Navoka, an AI agent described by Wirex as the first to make payments from a dedicated bank account and card, was launched today by the stablecoin infrastructure platform. The unveiling took place at Full Stack London, a stablecoin infrastructure event hosted by Wirex. Access to Navoka is currently by invitation only.

According to Juniper Research, 1.3 billion people are expected to engage in agentic commerce by 2031. This contrasts with findings from the Visa Trust Index, which indicated that only 23% of US consumers trust generative AI to manage their payments.

Navoka's autonomous payment system is designed to bridge this trust gap by focusing on control and security. In contrast to many AI payment tools that draw on a user's crypto wallet or personal banking details, every Navoka agent is equipped with its own IBAN, debit card, and wallets for USDC and EURC, which remain separate from the user's own accounts.

The system verifies every card purchase against spending limits defined by the user during authorisation. Navoka also possesses the ability to block charges, including subscriptions that the user no longer wishes to maintain.

The service is designed for individual users handling purchases and transfers, businesses settling invoices with contractors and suppliers, and developers integrating payment capabilities into their own AI agents. Payments can be executed by sending a message to Navoka on Telegram, with support for WhatsApp and iMessage planned for a later date, or by linking the agent to ChatGPT, Claude, or Grok.

Pavel Matveev, CEO and Co-Founder of Wirex, said: “We’ve run card programmes, payment accounts and stablecoin settlement since 2014. As payments become programmable, we’re using that infrastructure to give Navoka AI agents the same protections and oversight users expect when they pay themselves. Navoka gives the agent its own account and card, so people can hand over the paying without handing over their bank details.”

Navoka's key capabilities include:

• Separate account: The agent possesses a dedicated wallet, IBAN, and debit card that are isolated from the user's personal accounts. Funds can be transferred instantly between the user and the agent.
• Multi-currency: Agents can be funded and hold balances in dollars, euros, and pounds. They can also buy, hold, and sell digital assets including USDC, EURC, BTC, ETH, and SOL.
• Spending controls: Users configure permitted merchants, spending limits, daily caps, and country restrictions. These rules are verified with every card transaction. The agent cannot modify these rules, and any transaction outside them is held for user approval.
• Kill switch: Users can quickly freeze the card, deactivate the rules, and disconnect linked AI assistants.
• Audit trail: Every payment is logged with the specific rule applied, the authorizer, and the reason for the transaction.
• Regular investing: Recurring purchases of stocks and tokenised stocks are supported, subject to a monthly cap and a pre-selected asset list.
• Private by design: The agent and its AI assistants never see the user's card numbers. Each agent runs on an isolated machine, wiped if access is revoked.

Navoka is currently accessible by invitation only.

About Wirex

Wirex positions itself as the banking infrastructure for the stablecoin ecosystem. It constructs the stablecoin layer that supports financial products. This includes bank accounts and wallets on a unified ledger, card issuance through its principal memberships with Visa and Mastercard, rails for moving stablecoins in and local currency out, and capital products such as yield, credit, and markets that end users can access inside partner apps.

Its platform is live in 136 markets, with all components operating on a single platform and accessible through one API. Clients can deploy any single layer or the entire stack of four.

Wirex is the most rapidly expanding stablecoin infrastructure and holds the distinction of being the fastest in crypto-card history to achieve $1 billion in annualised card transaction volume.

About Navoka

Navoka is an AI agent specifically designed for payments and financial tasks, equipped with its own stablecoin wallet, IBAN, and debit card. It operates within chat interfaces and inside platforms like ChatGPT, Claude, and Grok. The agent can handle reservations, purchases, invoice payments, money transfers, and person-to-person payments, all within spending limits defined once by the account holder. Navoka's underlying technology is provided by Wirex.