Wirex launches Navoka, an AI agent that pays from its own bank account and card

Nov 12, 2026
Each Navoka agent gets its own IBAN, debit card and stablecoin wallets, separate from the user's accounts, with spending rules the agent cannot change.

Stablecoin payments company Wirex has launched Navoka, an AI agent that makes payments on a user's behalf from its own bank account and card, according to a press release. It is available by invitation only for now.

Wirex says most AI payment tools pay from a crypto wallet or from the user's own bank account or card. Each Navoka agent instead gets its own IBAN, debit card and USDC and EURC wallets, kept separate from the user's personal accounts. Users set allowed merchants, spending limits, daily caps and countries, which are checked every time the card is used; the agent cannot change these rules, and anything outside them waits for approval. There is a kill switch, and every payment records which rule it ran under and who approved it.

People can instruct Navoka through Telegram, with WhatsApp and iMessage to follow, or connect it to ChatGPT, Claude or Grok. "Navoka gives the agent its own account and card, so people can hand over the paying without handing over their bank details," said CEO Pavel Matveev. Wirex says the agent and connected assistants never see card numbers.

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