Wirex has launched Navoka, an AI agent that pays on a user's behalf from accounts assigned to the agent itself rather than from the user's personal bank account, card or crypto wallet, The Paypers reported. Each agent gets its own IBAN, debit card, and USDC and EURC wallets. Access is currently by invitation only.
Navoka is aimed at individuals making purchases or transfers, businesses paying contractors and suppliers, and developers adding payments to their own agents. Users instruct it through Telegram, with WhatsApp and iMessage to follow, or by connecting it to ChatGPT, Claude or Grok. According to the company, it can book, buy, pay invoices, send money and pay people within limits the account holder sets once.
Users set allowed merchants, spending limits, daily caps and country lists, which are checked at the point of authorization each time the card is used. Agents cannot change these rules, and transactions outside them wait for user approval. A kill switch freezes the card and disconnects linked assistants, and an audit trail records which rule each payment ran under and who approved it. Neither the agent nor connected assistants see users' card numbers, The Paypers reported.
CEO and Co-Founder Pavel Matveev said Wirex is using the card, account and stablecoin infrastructure it has run since 2014 to give agents the protections users expect when paying themselves. The Paypers cited Visa's Trust Index, which found only 23% of US consumers trust generative AI to handle payments for them.
