Message it.
Open a chat. Nothing to install — you write, it pays, you approve.
An AI agent with its own bank account and card.
Its own wallet, IBAN and card. It shops, pays bills, sends money and pays people — inside limits you set once. In chat or your assistant.
Navokapayments agent
balance$1,842.16
Two ways to use it.
Same agent, same account, same rules. Pick the window you already have open.
Connect it.
Add one endpoint to your assistant. It asks Navoka; Navoka asks you.
ChatGPTClaudeGrok
ChatGPT
Claude
GrokWhat it does. From one account.
Shopping
"Book me a flight from New York to London on Nov 14, under $600."
How it pays at checkoutBills
"Pay this invoice."
Invoices and subscriptionsPayments
"Send £450 to my sister for the deposit."
Limits and approvalsPayroll
"Pay the three contractors on this sheet on the 28th."
Payroll from a sheetTrading
"Buy $100 of Tesla every Monday."
Regular investingYours to control.
Three things that are true whatever you ask it to do.
Its own account and card. Dedicated to the agent.
A stablecoin wallet, an IBAN and a card that belong to the agent and to nothing else — run by an agent that does payments and finance, and only that. Money moves in and out instantly from your other accounts.
The card only pays inside your rules.
Allowed merchants, a ceiling, a daily limit, a country list — checked at every authorization. Anything else is held for you. The agent can read the rules; it can't change them.
Stop everything in one tap.
Card frozen, rules paused, assistants unlinked. Every payment shows the rule it ran under, who approved it and why.
Already on Wirex One? Connect it — no re-KYC, instant free transfers, and your cashback rate on the agent's card.For Wirex One users
A dedicated account, card and wallet. Not a plugin on yours.
Other agents hand you a crypto wallet or run on your personal cards. Navoka has a dedicated bank account, card and stablecoin wallet — built for payments, nothing else.
| Capability | Other agents | Navoka |
|---|---|---|
| Agent type | General purpose | Payment-specialized |
| Own bank account | — | Yes |
| Own card | — | Yes |
| Own stablecoin wallet | — | Yes |
Named comparisons with sourcesSee the comparison
Up and running in minutes.
- 1
Start.
Message Navoka, or add it to ChatGPT, Claude or Grok. Your account is created as you sign in — it can hold and send USDC and EURC right away.
- 2
Verify once for the IBAN and card.
A few minutes with your ID — or import it from Wirex One.
- 3
Set your rules, then ask.
Budget, threshold, allowlist. Then: "Pay this invoice."
Exact clicks for each assistantConnect your assistant
Built to be trusted with money.
The card only pays inside your rules.
It cannot change its own limits.
Disconnect in one tap.
Building an agent? Give it a bank.
One MCP endpoint. Wallet, IBAN, card, payments, payouts, ledger — under a policy the agent can read and can't write.
Questions.
What is Navoka?
Navoka is a specialized AI agent for payments and finance — not a general-purpose assistant. It has its own stablecoin wallet, IBAN and card. You message it in chat or connect it to ChatGPT, Claude or Grok, and it shops, pays invoices, sends money and pays people inside limits you set once. Anything outside those limits waits for your approval.
Is it a real bank account?
Yes. The agent has its own IBAN, alongside a stablecoin wallet and a card, all dedicated to the agent. Money moves between it and your other accounts instantly, so it's funded the moment you need it. Every payment runs inside the limits you set or waits for your approval, and you can freeze everything in one tap.
How long does it take to open?
Seconds for the account: say hello in chat or sign in from your assistant, and it exists — it can send and receive USDC and EURC straight away. Minutes for the IBAN and card: verify your ID once. On Wirex One? Connect it and your verification comes across.
Which assistants work with it?
ChatGPT, Claude and Grok, each through a single endpoint you add once. You can also skip the assistant entirely and message Navoka in chat — on Telegram today, with WhatsApp and iMessage coming soon. Both routes use the same account and the same limits, so you can switch between them freely.
How do I stop it?
Say "stop everything", or press the kill switch. The card is frozen, the rules paused and the assistant unlinked, immediately. Nothing can leave the account until you say so. You then get the full record — every payment with the rule it ran under, who approved it and why it was made.
Does it work with my Wirex One account?
Yes. Connect your Wirex One account and Navoka creates the agent's account without repeating identity checks. Money moves between the two instantly and free, in either direction, and the agent's card earns at your Wirex One rate — paid to your Wirex One account. Pull the money back the moment you don't need it there.
Give your agent something to pay with.
An account in seconds, a card in minutes, rules you set once.