# Navoka

Full text: https://navoka.com/llms-full.txt

- https://navoka.com: A specialized AI agent for payments and finance with its own wallet, IBAN and card. It shops, pays bills, sends money and pays people inside your limits.
- https://navoka.com/chat: Talk to Navoka in a chat window. Say what to pay, buy or send; it acts inside your limits and asks for anything outside them. Telegram now, more soon.
- https://navoka.com/connect: Give your AI assistant a wallet, IBAN and card. Add one endpoint to ChatGPT, Claude or Grok; it asks Navoka to pay, Navoka asks you. No setup first.
- https://navoka.com/connect/chatgpt: Give ChatGPT a bank account and a card. Add the Navoka endpoint in three steps, set limits once, and ChatGPT can pay, buy and send — with your approval.
- https://navoka.com/connect/claude: Give Claude a bank account and card over MCP. Add the Navoka connector, set limits once, and Claude can pay invoices, buy and send. You approve the rest.
- https://navoka.com/connect/grok: Give Grok a bank account and a card. Connect Navoka in three steps, set limits once, and Grok can pay bills, buy and send money — with your approval.
- https://navoka.com/controls: Stop an AI agent overspending: a budget, an approve-above threshold, an allowlist and a kill switch, set once. Inside them it pays; outside them it asks.
- https://navoka.com/security: How Navoka keeps an AI agent safe with money: a dedicated account and card, a token, not a card number, one machine per agent, limits it can't change.
- https://navoka.com/wirex-one: On Wirex One? Connect it and your AI agent's account opens in seconds — no re-KYC. Your rate applies to the agent's card. Instant, free transfers both ways.
- https://navoka.com/trading: Tell Navoka to buy $100 of Tesla every Monday, or tokenized SpaceX each month, inside a cap you set. Regular investing from the agent's own account.
- https://navoka.com/compare: Agent wallets, agent-banking APIs, payment networks, chat money managers: four kinds of AI money tool, and the two questions that separate them.
- https://navoka.com/compare/flip: Flip is a money manager in iMessage over your existing bank. Navoka is an agent with its own account and card that pays inside your limits. Side by side.
- https://navoka.com/compare/paybox: PayBox is a non-custodial vault for crypto and cards you already hold. Navoka gives the agent its own account, IBAN and card. Side by side.
- https://navoka.com/compare/cleo: Cleo is an AI money coach over your bank, with a partner-bank card for you. Navoka is an agent with its own account and card that pays inside your limits.
- https://navoka.com/compare/instinct: Instinct is a general-purpose personal assistant. Navoka is a payment agent with its own bank account, card and stablecoin wallet. Side by side, sourced.
- https://navoka.com/developers: Give your agent a bank account over MCP: IBAN, cards, ACH, SEPA and Faster Payments, payouts, a ledger — under a policy the agent can read, never change.
- https://navoka.com/about: Navoka is a specialized AI agent for payments and finance with its own wallet, IBAN and card, powered by Wirex. Who builds it and how to reach us.
- https://navoka.com/learn: What an AI agent with a bank account is, how agents pay at checkout, and how they handle invoices, subscriptions and contractors.
- https://navoka.com/learn/ai-agent-bank-account: An AI agent with a bank account holds its own IBAN and card and pays on your instruction inside your limits. What it is, what it isn't, how you control it.
- https://navoka.com/learn/how-ai-agents-pay-at-checkout: Why AI shopping agents fail at checkout — bot detection, 3-D Secure, re-pricing — and how an agent with its own card pays as a card, not a bot.
- https://navoka.com/learn/ai-agent-invoices-and-payroll: Yes, if it has its own account: it reads an invoice and pays by SEPA, keeps subscriptions paid, cancels the rest at the card, runs payroll from a sheet.
- https://navoka.com/learn/ai-agent-card-cashback: Most AI agents earn nothing on what they spend — they pay with your card or no card at all. What changes when the agent holds a card of its own, and who gets the reward.