Navoka can securely process daily payments within the limits preset by the user, without the need to obtain access to the user's bank account or bank card information.
London, November 12, 2026 / PRNewswire / -- The global stablecoin infrastructure platform Wirex has launched Navoka today. The company claims that this is the first AI agent that allows payments on behalf of users through dedicated bank accounts and debit/credit cards. This news was announced at a newly held stablecoin infrastructure event Full Stack London by Wirex, and it is currently available only to invited users.
Juniper Research It is estimated that by 2031, 1.3 billion people will be using proxy-based commerce ( agentic commerce ). However, Visa's Trust Index has found that only 23% of American consumers trust generative AI to handle their payment transactions on their behalf.
Navoka's autonomous payment is aimed at filling this gap in trust. Wirex indicates that the product adopts a model centered on control and security: unlike most AI payment tools that rely on encrypted wallets or the user's own bank accounts and debit cards for payments, each Navoka agent possesses its own independent IBAN, debit card, as well as USDC and EURC wallets, which are separate from the user's personal account. This ensures that every card transaction is checked against the limits set by the user at the time of authorization; for fees such as subscriptions that the user no longer needs, Navoka can also refuse to deduct them.
Navoka is aimed at individuals for shopping or transfers, businesses for payments to contractors and suppliers, as well as developers who wish to add payment functionality to their own agents. Users can send messages to Navoka through Telegram to complete payments; WhatsApp and iMessage will also support this later on, and it can also be connected to ChatGPT, Claude, or Grok.
Wirex, the Chief Executive Officer and Co-Founder, stated: "Since 2014, we have been operating card projects, payment accounts, and stablecoin settlements. As payments become programmable, we are leveraging this infrastructure to provide Navoka AI agents with the same level of protection and oversight that users expect when making their own payments. Navoka equips agents with their own accounts and bank cards, so people can entrust payment tasks to agents without having to disclose their own banking information."
Main functions include:
- Independent account:The agent has its own wallet, IBAN, and bank card, which are separate from the user's personal account. Funds can be transferred instantly between the two.
- Multi-currencies:Each agent can top up and hold US dollars, euros, and pounds, and can also buy, hold, and sell digital assets such as USDC, EURC, BTC, ETH, and SOL.
- Expenditure control:Users can set allowed merchants, expenditure limits, daily caps, and a list of countries. These settings are checked every time the card is used. Agents cannot change these rules, and any transactions that exceed these limits must await user approval.
- Emergency stop switch:It is easy to freeze bank cards, pause rules, and disconnect connected assistants.
- Audit Tracking:Each payment is recorded with the rules it is based on, who approved it, and the reasons for the approval.
- Regular Investment:It is possible to set up regular purchases of stocks and tokenized stocks within the monthly limit and the user-selected asset list.
- Privacy-first design:Proxies and their connected AI assistants will never see the user's card numbers; each proxy runs on an independently isolated machine, and if the user revokes access rights, that environment will be cleared.
This platform is currently available only by invitation. For details on availability, please visit Navoka.com to learn more information.
Note to the editor:
About Wirex
Wirex serves as the banking layer for stablecoins. This company builds the underlying infrastructure for stablecoins for financial products, including bank accounts and wallets on a unified ledger, the capability to issue cards based on its Visa and MasterCard membership, payment channels that enable the transfer of stablecoins and local currencies, as well as capital products such as earnings, credit, and markets. End-users can directly utilize these services within partner applications. Wirex indicates that their project has been launched in 136 markets, with all functionalities operating on the same platform and under the same API. Therefore, enterprises can choose to deploy just one layer or all four layers.
Wirex represents the fastest-growing stablecoin infrastructure company and is also the first company in the history of cryptocurrency debit cards to achieve an annualized card transaction volume of 1 billion US dollars.
About Navoka
Navoka is a AI agent that focuses on payments and finance, boasting its own stablecoin wallet, IBAN, and bank cards. This product can be used within the chat interface, as well as in ChatGPT, Claude, and Grok. It enables account holders to perform reservations, purchases, invoice payments, transfers, and payments to others within a limit set once and for all. Navoka is supported by Wirex.
