Wirex, the global stablecoin infrastructure platform, has launched Navoka, described as the first AI agent that pays on behalf of users from a dedicated bank account and card. The announcement was made at Full Stack London, Wirex's new stablecoin infrastructure event, and the product is currently accessible by invite only.

The launch comes amid sharply rising forecasts for agentic commerce. Juniper Research expects 1.3 billion people to be using agentic commerce by 2031. Yet Visa's Trust Index found that only 23% of US consumers trust generative AI to handle payment transactions on their behalf. Card networks have already moved into the field: Visa unveiled its Intelligent Commerce programme and Mastercard introduced Agent Pay in 2025, both built around tokenised versions of a customer's own credentials. The launch also lands as stablecoins gain regulatory clarity in major markets, with the US GENIUS Act signed into law in July 2025 establishing the first federal framework for payment stablecoins.

Navoka's autonomous payments are designed to close that trust gap with a model built for control and security. Unlike most AI payment tools, which pay from a crypto wallet or from the user's own bank account or card, each Navoka agent receives its own IBAN, debit card, and USDC and EURC wallet, kept separate from the user's personal accounts. This means every card transaction is checked against limits set by the user at the point of authorisation, and Navoka can decline a charge, such as a subscription the user no longer wants.

The product is built for individuals making purchases or transfers, businesses paying contractors and suppliers, and developers adding payments to their own agents. Users can make payments simply by messaging Navoka on Telegram, with WhatsApp and iMessage support to follow, or by connecting it to ChatGPT, Claude, or Grok.

Pavel Matveev, CEO and Co-Founder of Wirex, said: “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.”

Key Features

• Separate account: the agent receives its own wallet, IBAN and card, kept separate from the user's personal accounts, with funds moving instantly between them.
• Multi-currency: each agent can top up and hold dollars, euros and pounds, and buy, hold and sell digital assets such as USDC, EURC, BTC, ETH and SOL.
• Spending controls: users define allowed merchants, spending limits, daily caps and country lists, which are checked every time the card is used. Agents cannot change these rules, and any transaction outside them awaits the user's approval.
• Kill switch: the card can be frozen, rules paused and linked assistants disconnected at any time.
• Audit trail: every payment records which rule it ran under, who approved it and why.
• Regular investing: recurring buys of stocks and tokenised stocks can be set up within a monthly cap and a list of assets chosen by the user.
• Private by design: the agent and connected AI assistants never see user card numbers, and each agent runs on its own isolated machine, which is wiped if the user revokes access.

Navoka is live by invitation only for now, so the addition of the promised WhatsApp and iMessage support and any move toward open availability will be the visible milestones ahead. Whether dedicated-agent accounts become a standard pattern alongside the card networks' tokenised credential schemes is one of the open questions as agentic commerce scales.

Further details are available on the official Wirex website.