Wirex Launches Navoka, an AI Agent That Pays From Its Own Bank Account and Card
Wirex has launched Navoka, the first AI agent that makes payments from its own dedicated bank account and card, addressing growing concerns about AI handling financial transactions.
The announcement was made at Full Stack London, Wirex's new stablecoin infrastructure event, with the platform currently accessible by invitation only. While Juniper Research projects 1.3 billion people will use agentic commerce by 2031, Visa's Trust Index reveals only 23% of US consumers currently trust GenAI to handle their payment transactions.
Separate Financial Identity
Unlike most AI payment tools that access user wallets or personal bank accounts, each Navoka agent maintains its own IBAN, debit card, and USDC and EURC wallets, completely separate from the user's personal accounts. This separation ensures every transaction is checked against user-defined limits at authorization.
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.
Comprehensive Controls
Navoka offers robust spending controls including user-defined allowed merchants, spending limits, daily caps, and country restrictions that agents cannot modify. The platform also includes a 'kill switch' to freeze cards, pause rules, and disconnect assistants, plus a complete audit trail recording which rule each payment ran under and who approved it.
Multi-Currency Capabilities
Each agent can manage dollars, euros, and pounds, along with digital assets including USDC, EURC, BTC, ETH, and SOL. Users can also set up recurring stock and tokenized stock purchases within monthly caps and selected asset lists. The platform is designed for individuals making purchases, businesses paying contractors, and developers integrating payments into their own agents.
Navoka operates through Telegram messaging, with WhatsApp and iMessage support coming soon, and can be connected to ChatGPT, Claude, or Grok. The system is private by design, with agents never seeing user card numbers and each running on its own isolated machine that's wiped if access is revoked.
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