by Wirex
Navoka review, pricing and verdict
Pays bills and invoices from a bank account and card of its own
- Best for
- Individuals who want an assistant to pay bills and invoices
- Not for
- Anyone who needs a general assistant
Should you use Navoka?
Try it if you want an assistant that can pay invoices and cancel subscriptions without touching your own card, and you can get an invitation. Navoka's pitch is that it replaces handing an assistant your card details. Skip it for now if you need published fees or general assistant skills; the release calls access invitation only.
Each agent has its own IBAN, debit card and USDC and EURC wallet, kept apart from the user's accounts.
Navoka's comparison page says only a card issuer can decline a charge at authorization, and Navoka issued the agent's card (read 13 November 2026); Wirex supplies the issuing and rails, and the release says the user can freeze the card and disconnect assistants.
Also for
- Small businesses paying contractors and suppliers
- Developers adding payments to their own agents
Show 2 more
- Operations manager paying contractors
- Individual who wants invoices paid
Main trade-off
Invitation-only access and no published fee schedule.
Navoka pricing
- Billing model
- Usage
No public price list. Per Navoka's About page, each payment rail's fees are shown in chat before approval, and the Wirex One page adds cashback at the holder's own rate.
Before you commit
- Per-rail fees are disclosed in chat at approval time, not published in advance (Navoka About page, read 13 November 2026).
As a personal agent
Asks before it spends
- Where you talk to it
- Telegram, Web
- Price
- No price list; fees for each payment rail are shown in chat before approval
- Can it pay for things?
- Yes: Pays from its own card, IBAN and stablecoin wallet inside limits the user sets; anything outside them waits for approval
- Asks before it spends or sends?
- Asks first: A payment to a new payee; A payment above the approve-above threshold; A payment in a category the user blocked, or in a country not on the list. Without asking: Payments that fit the user's own rules: a merchant allowlist, a spending ceiling, a daily cap and a country list
- Remembers you?
- A ledger entry for each payment that names the rule applied, the approver and the reason; you can see it
Recent changes
What Navoka does on its own
- Scope of autonomy
- Semi-autonomous
- Human approval boundary
- Human in the loop
- Maturity
- Alpha
Safety controls
- Runs sandboxedSupported
- Audit loggingSupported
- Human in the loopSupported
What it can operate
- API calls
- Document reading
Where Navoka runs
- Deployment
- Cloud · API
- Where it runs
- Web · API
What Navoka does
Navoka is an AI payments agent from Wirex that pays on a user's instruction using an IBAN, debit card and stablecoin wallet held in the agent's own name and kept separate from the user's accounts. Every card payment is checked against limits the user sets, and anything outside them waits for approval, according to Wirex's launch release.
Its own account and card
A dedicated bank account, card and stablecoin wallet belong to the agent alone, separate from the user's own accounts, and money moves between them instantly.
Spending rules it cannot change
Every card authorization is checked against the user's merchant allowlist, spending ceiling, daily caps and country list; the agent can read these rules but not edit them.
Approval for anything unusual
Payments to a new payee, above a set amount, in a blocked category or to a new country are held until the user approves them in chat or in a connected assistant.
Kill switch
One command or button freezes the card, pauses the rules and unlinks assistants, and the account stays untouched.
Show all 8 features
Audit trail
Every payment is recorded with the rule it ran under, who approved it and why it was made.
Invoices and payroll
Reads an invoice and pays it by bank transfer, and pays contractors listed on a sheet on a set date.
Regular investing
Sets up recurring buys of stocks and tokenised stocks within a monthly cap and a list of assets the user chooses.
One endpoint for assistants
Adds to ChatGPT, Claude or Grok through a single endpoint, and developers can give their own agent the same account over MCP.
Strengths and limits
Strengths
- Navoka says that because it issued the agent's card it can decline a charge at authorization, such as a subscription the user no longer wants, where a tool over a personal card can only watch it (vendor claim from its comparison pages, read 13 November 2026, not tested by Hokai).
- Rules sit outside the agent's reach: the launch release and the site both say the agent can read its limits but not change them, and anything outside them waits for the user.
- The agent never sees card details: Wirex says each agent holds a token and runs on its own isolated machine that is wiped if the user revokes access.
- It works from the assistants people already use, with setup pages for ChatGPT, Claude and Grok that each describe adding one endpoint and setting limits once.
Limits
- Access is unclear: Wirex's release says Navoka is invitation only, while navoka.com invites visitors to start a chat now, so a reader cannot tell who can sign up today.
- There is no fee schedule: fees for each payment rail appear in chat before approval, so the cost cannot be compared in advance.
- Navoka is software only: the regulated account and card sit with a separate Wirex group company, and the user accepts that company's terms during onboarding.
- It is a day-old product with no independent reviews found, and WhatsApp and iMessage are still listed as coming soon.
Navoka alternatives
The nearest AI agents on Hokai for the same job.
| Agent | Where it runs | Price | Maturity | Rating |
|---|---|---|---|---|
| Navoka This page | Cloud · API | Usage-based | Alpha | 3.0 |
 Hermes AgentThe open-source AI agent that learns your workflows and gets faster the more you use it. | Cloud · Your machine · API | Free plan | Available | 3.7 |
 Claude DuetAnthropic's proactive agent that briefs you daily and asks before it acts | Cloud | $20/mo | Alpha | 3.6 |
| PineOpen-source agent daemon whose agents wake on events, schedules and chat | Your machine | Free | Beta | 3.3 |
Navoka facts
- Works offline
- No
- Minimum skill level
- Basic
- Budget fit
- Mid
- Open source
- No
- Ships
- Sporadic
- Last major update
- Maker founded
- 2014
- Headquarters
- London, United Kingdom
What changed
- Release Wirex launches Navoka, an AI agent that pays from its own bank account and card source
Questions about Navoka
How much does Navoka cost?
Navoka publishes no price list. Its About page says each rail's fees appear in the chat before you approve a payment, and its Wirex One page says the agent's card earns cashback at the holder's Wirex One rate (read 13 November 2026). Ask for the fee table for the rails you plan to use before you fund the account.
Is there a free way to try Navoka?
No free plan or trial is listed. Wirex's launch release limits access to invited users, but navoka.com tells visitors to start a chat on Telegram, where an account exists as soon as you sign in and can hold USDC and EURC; the IBAN and card need a one-time ID check. Hokai has not opened an account.
Can Navoka spend money without asking me?
Yes, but only within the rules you configure: merchant allowlists, a ceiling, daily limits and country lists are checked at every card authorization, per the launch release. A first-time payee, a payment over the threshold, a blocked category or a new country is always held for approval, and new rules begin by asking about every payment.
Is Navoka a real bank account?
Navoka says yes: the agent has its own IBAN, a card and a stablecoin wallet. The site adds that Navoka itself is software, and that accounts, IBANs, cards and payments are provided by a separate Wirex group company under its own terms, accepted during onboarding. The software is operated by Wirex Holdings Limited in England and Wales.
Which assistants can use Navoka?
ChatGPT, Claude and Grok, each through one endpoint added once, and anyone can message it on Telegram with the same account and limits. WhatsApp and iMessage are listed as coming soon. According to navoka.com, developers building their own agent can connect to the same account over an MCP endpoint.
About Navoka
Navoka is a payments and finance agent from Wirex, the stablecoin infrastructure company that says it has run card programmes, payment accounts and stablecoin settlement since 2014. Wirex launched it on 12 November 2026 at its Full Stack London event and describes it as the first AI agent that pays on behalf of users from a dedicated bank account and card. It counts as an agent because it takes an instruction such as pay this invoice, reads the document, picks the payment route and carries the payment out, and holds anything outside the user's rules for approval. Navoka is operated by Wirex Holdings Limited, while accounts, cards and payments come from a separate Wirex group company.
Read the full background
Every Navoka agent is given a separate IBAN, a debit card and a wallet for USDC and EURC, kept apart from the user's personal accounts. Navoka says the agent holds a network token instead of a card number, and that every card authorization is checked against limits the user set: allowed merchants, a ceiling, daily caps and a country list. The agent can read those rules but cannot change them, new rules start by asking about every payment, and a kill switch freezes the card and unlinks connected assistants. Users reach it by messaging it on Telegram, with WhatsApp and iMessage listed as coming soon, or by adding one endpoint to ChatGPT, Claude or Grok. The pages Hokai read do not name the model behind it.
The launch release aims it at individuals making purchases or transfers, businesses paying contractors and suppliers, and developers who want to give their own agent a bank over an MCP endpoint. The site's examples include paying an invoice from a PDF, running payroll from a sheet, cancelling a subscription by declining its next charge and recurring buys of stocks within a monthly cap.
Look elsewhere if you want a general assistant: Navoka's own comparison page describes Instinct as one that handles a whole day, with paying as one step inside a task. Navoka also positions itself against Flip, Cleo and PayBox, which it describes as an iMessage money manager over an existing bank, an AI money coach and a non-custodial vault for assets you already hold; none of them has a Hokai page yet. Access is described as invitation only, and no fee schedule is published. For a test of agents handling real money see the real-money autonomy test, and for similar assistants see the personal AI assistants list.
Sources and guides
Official sources
- Navoka official site Vendor
Autonomy, guardrails, integrations and pricing on this page are read from Wirex's own documentation. The verdict is Hokai's reading of them, not the vendor's claim.
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