Message it. It pays.
Type what you want paid, bought or sent. Navoka acts inside your limits and asks you for anything outside them.
Navokapayments agent
balance£2,310.40
Send £450 to my sister for the deposit.12:06
£450 to Anna Reid — known payee, under £500. Faster Payments, no fee. Sent.12:06
How a conversation goes.
- 1
You ask.
Pay this invoice.studio-marr-INV-2041.pdf - 2
It acts — or holds.
Studio Marr — €1,250.00, due Oct 15. New payee and above €250, so it's held for you. - 3
You tap, it finishes.
Approved by you · 09:41 · sent by SEPA instant. Receipt's in the ledger.
Inside your rules it doesn't ask. Outside them, every held message says exactly why — new payee, above the threshold, not on your list.Limits and approvals
What you can say.
Merchant, amount, when. One line each.
Pay this invoice.
Book me a flight from New York to London on Nov 14, under $600.
Review my subscriptions and cancel the ones I don't use.
Send £450 to my sister for the deposit.
Pay the three contractors on this sheet on the 28th.
Give my agent $500 a month and let it handle the small stuff.
Stop everything and show me what it did.
Full examples with Navoka's repliesLearn
Where you can reach it.
ChatGPT
Claude
GrokOne account, one set of rules, one ledger — whichever window you're in. Approve in chat what your assistant asked for, or the other way round.Connect your assistant
Questions.
Do I need an app?
No. Navoka lives inside the chat app you already use — Telegram today, WhatsApp and iMessage coming soon. Open the chat and say what you want; your account is created in that first conversation, and identity verification for the IBAN and card happens in the same thread when you need it.
How do I approve a payment?
A held payment arrives as a message with Approve and Decline buttons and a one-line reason — new payee, above your threshold, not on your list. Tap, and Navoka finishes or stops. Approvals are tied to your account and device, not to the agent, so nothing can press them for you.
Can I use chat and my assistant together?
Yes. It's one account with one set of rules and one ledger. Your assistant can ask Navoka to pay something in Claude or ChatGPT, and you can approve it in chat — or the other way round. Every payment shows the same rule, approver and reason wherever you look at it.
Is a chat window safe for this?
Nothing secret travels in the chat. You see payees, amounts, reasons and a button. Card numbers and full IBANs stay in the account; the agent holds a token, never a card number. Lose your phone and "stop everything" from any other signed-in device freezes the card and pauses the rules.
Start a chat.
Say what you want paid. It does the rest inside your rules.