Wirex Introduces Navoka, an AI Payment Agent With Its Own Account and Card

Wirex’s Navoka gives an AI agent a separate payment setup

Wirex has introduced Navoka, an AI agent designed to make purchases, transfers and other payments using a dedicated financial setup rather than the user’s personal bank account or card. The company says each agent receives its own IBAN, debit card and wallet for USDC and EURC. Navoka was announced at Full Stack London, Wirex’s stablecoin infrastructure event, and is currently available by invitation only.

The launch addresses a tension highlighted in the announcement: interest in automated commerce is growing, but trust in automated payments remains limited. Juniper Research expects 1.3 billion people to use agentic commerce by 2031, while Visa’s Trust Index found that 23% of US consumers trust generative AI to handle payment transactions for them. Those figures set out the opportunity Wirex sees, but do not establish that consumers will adopt Navoka.

Wirex positions the separate account as a way to let an agent pay without exposing the user’s everyday card details or giving it unrestricted access to personal funds. Its stated design gives each agent an account and card of its own, with funds able to move between the user and agent instantly. The practical significance will depend on how users configure that separation and how the service handles particular transactions in operation.

Spending rules are central to the product’s control model

The product combines a payment account and card with a wallet that can hold multiple currencies and digital assets. Wirex says agents can top up and hold dollars, euros and pounds, and buy, hold and sell USDC, EURC, Bitcoin, Ether and Solana. This gives Navoka a wider remit than a card-only assistant, although the announcement does not detail the precise availability or conditions for each asset and function.

Control settings are a core part of Navoka’s proposed payment process. Users can specify permitted merchants, spending limits, daily caps and country lists, and the company says those rules are checked each time the card is used. The agent cannot alter the restrictions itself; transactions outside them are held for user approval. That creates a defined approval layer, but the announcement does not explain how every edge case is resolved.

Wirex also describes controls intended to let users interrupt or review an agent’s activity. A kill switch can freeze the card, pause the rules and disconnect linked assistants. The audit trail is designed to record which rule applied to a payment, who approved it and why. These features could make automated spending easier to supervise, but their effectiveness depends on how clearly users can review the records and act on them.

Chat-based access targets consumers, businesses and developers

Navoka is designed to be used through messaging as well as through connected AI assistants. At launch, users can message it on Telegram or connect it to ChatGPT, Claude or Grok; Wirex says WhatsApp and iMessage are to follow. The company describes use cases including booking, buying, paying invoices, sending money and paying people. The announcement does not specify a timetable for the additional messaging services.

The intended audience extends beyond individuals. Wirex says consumers can use Navoka for purchases and transfers, while businesses can direct it to pay contractors and suppliers. Developers are also identified as a target group, with the product presented as a way to add payment capability to their own agents. These are stated use cases, not evidence of existing customer deployments or measured results from business payment activity.

The feature list includes recurring purchases of stocks and tokenised stocks, subject to a monthly cap and a list of assets selected by the user. That places a form of regular investing alongside the payment and transfer functions in Wirex’s description of Navoka. The announcement does not provide further details about the assets, terms or availability of this feature, so its scope should not be assumed beyond the stated user-selected limits.

Invite-only access leaves adoption and implementation open

Wirex says the agent and connected AI assistants do not see users’ card numbers, and that each agent runs on an isolated machine that is wiped if access is revoked. Those are privacy and separation measures as described by the company. The announcement does not provide independent testing results or explain all data-handling arrangements, so it leaves open how these protections operate across the full service and its integrations.

Navoka builds on Wirex’s existing payments and stablecoin infrastructure, which the company says it has operated since 2014. Wirex describes its platform as combining accounts and wallets, card issuing, stablecoin and local-currency payment rails, and capital products. Its company profile also claims live programmes in 136 markets and annualised card spend of $1 billion. These figures provide context, but do not indicate Navoka’s own reach or transaction volume.

The immediate constraint is access: Navoka is invitation-only, and Wirex directs prospective users to its website for availability information. The launch announcement gives no user numbers, adoption data or independent assessment of the controls, and it does not say when access will broaden. For now, the clearest takeaway is the design: an AI agent gets a distinct payment setup governed by user-defined rules, with wider rollout and practical performance still uncertain.

Source: BeInCrypto