Navoka Arrives With Payment Tools for AI Under Holder-Set Limits

What happened

On November 12, 2026, Wirex introduced Navoka, an AI-powered payment agent, at its Full Stack London event. Navoka provides a dedicated stablecoin wallet, IBAN, and debit card for making payments, sending money, and handling payouts, all under spending limits and approval rules set by the account holder. The agent operates separately from existing Wirex products and enforces controls at the account and card-authorization level. The system is designed so that the AI can execute transactions but cannot alter the spending rules or approve its own payment requests.

Key details

• Navoka supports USDC and EURC wallets, with dollar, euro, and pound accounts available.
• Spending controls include monthly budgets, per-transaction limits, approval thresholds, and merchant restrictions.
• The agent cannot access or modify spending rules and cannot see full card numbers or IBANs.
• Telegram integration is live, with WhatsApp and iMessage listed as upcoming options.
• A free sandbox allows developers to test payment flows with synthetic rails and test cards.

Why it matters

Businesses and individuals using Wirex can now delegate payment and payout tasks to an AI agent while retaining strict control over spending and approvals. This setup allows routine transactions to proceed automatically within defined limits, reducing manual oversight but keeping the account holder responsible for setting and monitoring rules. Developers and users gain new tools to automate payments and test integrations without exposing real funds or sensitive account details.