Secrets.AI is an AI companion platform that combines chat with image/video/audio features, using subscription tiers plus “Moments” credits for premium generation, with optional Private Mode for end-to-end encrypted chats.
This review verifies official plan limits (messages, memory/context, Moments grants), pricing by billing term, privacy controls (Private Mode), and cancellation rules so you can assess real cost and data risk before subscribing.
Secrets.AI is a multimedia AI companion platform that combines chat with image, video, and audio features. Official documentation publishes clear subscription tiers, daily message limits, memory/context multipliers, and monthly “Moments” grants used to power premium generation. The most important cost driver is how quickly you spend Moments on media features, not just whether messaging is unlimited.
Secrets.AI is an AI companion platform where you chat with AI characters and can generate visual and audio content. The official wiki describes “Moments” as the currency that powers premium features like image generation, video creation, and audio calls, and notes that paid subscriptions include monthly Moments grants that reset each month.
Secrets AI publishes plan tiers and limits in its official wiki. A key point is that unlimited messaging starts at Premium, while Free is capped at 20 messages per day with shorter maximum message length.
| Tier | Monthly price | Messages | Max message length | Monthly Moments | Memory / context |
|---|---|---|---|---|---|
| Free | $0 | 20/day | 500 chars | 0 | Basic |
| Premium | $19.99 | Unlimited | 1,000 chars | 8,000 | 4× access, +60% context |
| Ultimate | $39.99 | Unlimited | 2,000 chars (2×) | 15,000 | 6× access, +100% context |
The wiki states Lite was removed for new users as of January 30, 2026. If you see “Lite” referenced elsewhere, treat it as legacy and confirm what is currently available in the Store.
The official wiki lists discounted effective monthly rates for longer billing cycles.
| Tier | Monthly | Quarterly | Biannual | Annual |
|---|---|---|---|---|
| Premium | $19.99/month | $49.99 billed quarterly ($16.67/month) | $89.99 billed biannually ($15.00/month) | $159.99 billed annually ($13.33/month) |
| Ultimate | $39.99/month | $99.99 billed quarterly ($33.33/month) | $179.99 billed biannually ($30.00/month) | $319.99 billed annually ($26.67/month) |
Secrets AI describes Moments as the credit currency used for premium features like image generation, video creation, and audio calls. Paid subscriptions include a monthly Moments grant that resets monthly, and your total balance can drop when grant Moments reset.
Unlimited messaging does not mean unlimited media. If you plan to generate lots of images or videos, track Moments usage and assume media features are the main cost driver over time.
The wiki lists memory as scaled access and context length by tier. It also provides a “previous conversations recalled” signal: approximately ~67% for Premium and +100% for Ultimate. These are platform-reported indicators and should be treated as performance signals, not guarantees.
| Tier | Memory system (official) | Previous conversations recalled (official) |
|---|---|---|
| Free | Basic | — |
| Premium | 4× access, +60% context | ~67% |
| Ultimate | 6× access, +100% context | +100% |
According to the official tier table, Personas and Group Chats are available only on Ultimate. Group Chats are described as chatting with 2–3 companions, and Personas allow you to create and switch identities.
Secrets AI’s published privacy policy states you can enable “Private Mode,” which encrypts conversations end-to-end and prevents those conversations from being used for AI training purposes. The privacy policy also states the service requires age verification (18+) and describes categories of personal, conversation, and technical data collected.
If you plan to discuss sensitive topics, Private Mode is the key control to verify and enable. Even with privacy tools, avoid sharing real-world identifiers (full name, address, account numbers) in chats.
The subscription documentation lists accepted payment methods: credit cards (excluding Amex), virtual debit cards, and cryptocurrency, with a minimum $20 threshold for crypto payments.
The wiki states you can cancel anytime and your subscription remains active until the end of the billing period. It also states that upgrading mid-cycle takes effect immediately and includes a prorated credit for remaining subscription time.
| Area | Risk level | Why it matters |
|---|---|---|
| Moments burn rate | Medium–High | Media features (image/video/audio) can consume Moments quickly even with unlimited messaging |
| Monthly grant resets | Medium | Total Moments balance can drop when subscription grant resets monthly |
| Tier availability changes | Medium | Lite was removed for new users (Jan 30, 2026), indicating tiers can change over time |
| Privacy expectations | Medium | Private Mode provides E2E encryption and opt-out training, but users still control what they share |
| Payment method constraints | Low–Medium | Cards exclude Amex; crypto has minimum $20 threshold |
Every AI companion platform on this site is evaluated using a consistent framework: conversation consistency, memory/context behavior, pricing transparency (including credit currencies like Moments), moderation boundaries, and privacy positioning. This structure improves comparability across platforms and reduces reliance on marketing claims.
This review is based on Secrets AI’s official wiki (subscription tiers, pricing by term, message limits, memory/context multipliers, Moments grants, Personas/Group Chats, payment methods, cancellation and upgrade rules) and the published Privacy Policy (18+ requirement and Private Mode end-to-end encryption with opt-out of AI training). Because plans and limits can evolve, confirm current tier details in the Store before purchasing.
Evaluation focuses on official tier limits, Moments grants, and published privacy controls. Treat Moments usage and monthly grant resets as the primary cost risks, and enable Private Mode if you need end-to-end encrypted conversations that are excluded from training.
Our team spent 8+ hours with Secrets.AI testing its anonymous chat features, AI quality, and content generation. This review gives you an honest picture of what the platform delivers.
