The short answer
Yes — if the agent has a card of its own. Rewards are a property of a card, and a card is issued to an account. An agent that spends from an account issued to it, with a card issued to it, earns whatever that card earns. An agent that types your card number into a checkout, or pays from a crypto wallet, earns nothing, because nothing was issued to it.
On Navoka, the agent's card earns at the account holder's Wirex One rate, and the cashback is paid to the holder's Wirex One account.
Why most agents earn nothing
Look at how the current AI money tools actually pay.
Wallets. A non-custodial agent wallet gives the agent scoped access to assets you already hold and, for card payments, mints a one-time virtual card for the merchant and the amount. One-time cards are not reward cards: they exist for a single authorization and are gone. Nothing accrues.
Money managers. Chat-based money managers read your bank through an aggregator and advise. They don't issue a card to the agent at all. Where one of them offers a card, it's a card for you, and any cashback that comes with it is attached to a subscription, not to anything the AI does.
General-purpose assistants. An assistant that books your handyman and orders your groceries pays at checkout the way you would: with your card on file. The reward, if any, is yours already; the agent added nothing and earns nothing.
In every case the agent is a user of someone else's payment credential. Rewards never reach a borrower.
What changes when the agent holds the card
Navoka gives the agent an account of its own — a stablecoin wallet, an IBAN and a debit card issued to it. Because the card is a real card on a real account, it behaves like one: it carries subscriptions, it works at any merchant that takes the scheme, and it earns.
Whose rate? The account holder's. If you connect Wirex One, the agent's card picks up the rate on your Wirex One card. There is nothing to enroll in and nothing to track: the card is yours in law, the agent spends inside the rules you wrote, and the rate follows you.
Whose reward it is
The person's, always. Cashback earned on the agent's card is paid to the holder's Wirex One account, not the agent's. Two reasons.
The first is ownership. The agent is software acting on your mandate; the money it spends is yours and the reward on that spending is yours.
The second is the ledger. The agent's account is designed to be a clean record of what the agent paid, under which rule, approved by whom, for what reason. Cashback credits landing in that account would muddy it: every month there would be lines the agent didn't initiate and couldn't explain. Paying the reward to your side keeps the agent's books a record of payments and nothing else.
What doesn't earn, and why
Not every payment the agent makes is a card purchase, and not every card purchase earns.
- Bank transfers — ACH, SEPA, Faster Payments, SWIFT — are not card payments. Paying an invoice by transfer earns nothing, on any card program anywhere.
- Utilities, tax and government payments are excluded on most card programs, including the one the agent's card inherits; so are money-transfer and quasi-cash merchants.
- The amount that earns in a month follows your tier, as set out in the Wirex One cashback terms. The rules are the same ones that apply to your own Wirex One card; the agent's card doesn't get a separate set.
What does earn is exactly what you'd expect: purchases at merchants, including the recurring ones. Move Netflix, Spotify and Claude onto the agent's card and each renewal earns at your rate.
The agent's books stay clean
This is the part worth dwelling on. Rewards programs are usually noisy — points balances, pending credits, redemptions. None of that touches the agent. Its ledger shows payments, each with the rule it ran under, who approved it and why. Its balance is what you moved there minus what it paid. If you ask it "what did you spend this month and why", the answer is complete and has no cashback lines in it.
Meanwhile your Wirex One account shows one thing: cashback earned, including what the agent's card earned, at the rate you already know.