Wirex Hands Its New AI Agent Navoka Its Own IBAN, Card and Stablecoin Wallet

Wirex unveiled Navoka on Wednesday at Full Stack London, its stablecoin infrastructure event, billing it as the first AI agent that pays on a user's behalf from its own dedicated bank account and card. Access is invitation only for now, with availability details at Navoka.com.

The setup is deliberately walled off. Every Navoka agent carries its own IBAN, debit card and USDC and EURC wallet, kept separate from the user's personal accounts. That means each card transaction is checked against limits the user sets at the point of authorisation, and the agent can turn down charges, including subscriptions the user no longer wants.

Users can put Navoka to work by messaging it on Telegram, with WhatsApp and iMessage promised next, or by plugging it into ChatGPT, Claude or Grok. Wirex says the agent suits individuals making purchases and transfers, businesses paying contractors and suppliers, and developers wiring payments into their own agents.

CEO and co-founder Pavel Matveev leaned on Wirex's track record to sell the trust angle. The company has run card programmes, payment accounts and stablecoin settlement since 2014, and he said Navoka gives the agent its own account and card so people can hand over the paying without handing over their bank details.

There's a gap to fill. Juniper Research expects 1.3 billion people to use agentic commerce by 2031, yet Visa's Trust Index found only 23% of US consumers trust generative AI to handle payment transactions for them. Wirex says it runs live programmes in 136 markets and was the fastest in crypto-card history to hit $1 billion in annualised card spend.