Wirex Debuts Navoka: The First AI Agent with a Dedicated Bank Account and Card

Wirex has launched Navoka, an AI agent capable of executing payments via dedicated bank accounts and cards. By decoupling agentic commerce from a user's primary accounts through isolated IBANs and wallets, the platform addresses significant consumer trust barriers while enabling programmable finance for individuals, businesses, and developers looking to automate complex transaction workflows securely.

What was announced

Navoka is positioned as the first AI agent capable of making autonomous payments through its own dedicated financial infrastructure. Announced at the Full Stack London event, the service is currently accessible by invite only. It aims to bridge the trust gap in agentic commerce—where Juniper Research forecasts 1.3 billion users by 2031, despite Visa research showing only 23% of US consumers currently trust GenAI to handle transactions on their behalf.

Unlike existing AI payment tools that draw from a user's personal crypto wallet or bank account, each Navoka agent operates with its own IBAN, debit card, and USDC and EURC wallets. This isolation allows for granular spending controls; users can define specific merchants, set daily caps, and whitelist countries. Any transaction falling outside these parameters is automatically blocked or held for manual approval. The platform supports multiple fiat currencies including dollars, euros, and pounds, alongside digital assets such as BTC, ETH, and SOL.

Users interact with the agent via messaging platforms, starting with Telegram, with WhatsApp and iMessage support planned. It can also be connected to major LLMs including ChatGPT, Claude, and Grok. Beyond simple transfers, the system supports recurring investments in stocks and tokenised assets, providing a full audit trail that logs which specific rule governed each payment and who authorized it. For security, the agent runs on an isolated machine that is wiped if access is revoked, and the connected AI assistants never see the user's actual card numbers.

"We’ve run card programmes, payment accounts and stablecoin settlement since 2014. As payments become programmable, we’re using that infrastructure to give Navoka AI agents the same protections and oversight users expect when they pay themselves. Navoka gives the agent its own account and card, so people can hand over the paying without handing over their bank details."

Pavel Matveev, CEO and Co-Founder of Wirex

The companies involved

Wirex is a global stablecoin infrastructure provider that has been operating card programmes and payment accounts since 2014. The company has established itself as a bridge between traditional finance and digital assets, focusing on making cryptocurrencies spendable in the real world. Wirex provides a platform for multi-currency accounts and stablecoin settlement, catering to a global user base seeking to integrate digital wallets with everyday banking features like IBANs and debit cards.

Navoka is the latest evolution of this infrastructure, designed specifically to facilitate the emerging agentic commerce sector. While Navoka functions as an autonomous payment entity, it leverages the regulatory and technical foundations Wirex has built over the last decade. This includes the ability to issue virtual and physical cards and manage complex settlement layers between fiat and on-chain assets. By providing AI agents with their own isolated financial identities, the company is attempting to move beyond simple API integrations toward a model where software can hold and move value independently within user-defined guardrails.

What FF News has reported before

FF News has closely followed Wirex’s recent efforts to strengthen its governance and expand its stablecoin ecosystem. We recently reported on the appointment of Starling Bank Co-Founder Julian Sawyer to the UK Board, as well as the addition of Lord Ranger of Northwood as a Board Advisor to assist with UK digital asset expansion. On the technical side, we covered how Wirex and Aurora Labs partnered to address blockchain fragmentation in stablecoin payments. The launch of Navoka follows the company's initiative to gather industry leaders at its own Full Stack London conference, which focused on the future of stablecoin infrastructure.

What this means

The transition from "chatbots" to "agents" requires a secure way for software to execute financial transactions without exposing the user’s entire net worth. By giving the AI its own IBAN and card, this model shifts the liability and security conversation. It puts pressure on traditional banks that have been slow to offer programmable sub-accounts for non-human entities. However, the success of agentic commerce hinges entirely on the industry’s ability to solve the trust deficit identified by Visa. While the technical infrastructure for autonomous payments is now arriving, the broader fintech sector still faces the challenge of proving that these agents won't hallucinate a user's balance away.