Wirex launches Navoka, an AI agent that pays from its own accounts

The payments company gives each agent a separate IBAN, debit card and stablecoin wallets, with spending rules the agent cannot change.

Wirex has launched Navoka, an AI agent that makes payments from accounts assigned to the agent itself rather than from the user’s personal bank account, card or crypto wallet, The Paypers reported on November 12, 2026. Access is by invitation.

Each Navoka agent gets its own IBAN, debit card, and USDC and EURC stablecoin wallets, separate from the user’s accounts. Funds move instantly between them. Agents can hold USD, EUR and GBP, and can buy, hold and sell USDC, EURC, BTC, ETH and SOL. Consumers can set up recurring purchases of stocks and tokenized stocks within a monthly cap and a list of assets they choose.

Users give instructions through Telegram, with WhatsApp and iMessage support to follow, or connect the agent to ChatGPT, Claude or Grok. Wirex says Navoka can book, buy, pay invoices, send money and pay people. It is aimed at individuals, at businesses paying contractors and suppliers, and at developers adding payments to their own agents.

Users set allowed merchants, spending limits, daily caps and country lists once, and the agent cannot change them. Because the card belongs to the agent, every card payment is checked against those rules at authorization, and payments outside them wait for the user’s approval. A kill switch freezes the card, pauses the rules and disconnects linked assistants. An audit trail records which rule each payment ran under, who approved it and why.

Neither the agent nor connected assistants can see card numbers, and each agent runs on its own isolated machine, which is erased if the user revokes access.

Wirex CEO and co-founder Pavel Matveev said the company has run card programs, payment accounts and stablecoin settlement since 2014 and is using that infrastructure to give AI agents the protections and oversight people expect when they pay themselves.