Secrets.AI is a multimedia AI companion platform with Private Mode E2E encryption and AI training opt-out (rare in this category). Three tiers: Free (20 messages/day), Premium ($19.99/mo or $13.33/mo annual, 8,000 Moments), Ultimate ($39.99/mo or $26.67/mo annual, 15,000 Moments). Group Chats (2-3 companions) and Personas are Ultimate-only features. Published tier metrics include memory multipliers, context length boosts, and previous-conversation recall percentages.
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 the AI companion app with the strongest documented privacy posture in the audited category. Its Private Mode encrypts conversations end-to-end and prevents those conversations from being used for AI training, which is rare in this product type. Tier structure is three steps: Free (20 messages/day cap) / Premium ($19.99/month or $13.33/month annual, with 8,000 Moments) / Ultimate ($39.99/month or $26.67/month annual, with 15,000 Moments). The product also publishes unusually concrete metrics for memory and recall: Premium gives 4x memory access with about 67% previous-conversation recall, Ultimate gives 6x with +100% recall, and Group Chats (2-3 companions) plus Personas sit on the Ultimate tier only. Secrets.AI was not part of the May 2026 nine-app vendor-checkout audit, so the pricing below comes from the official vendor wiki rather than a live audit verification.
Secrets.AI is a multimedia AI companion platform where chat is the core interaction and image, video, and audio features sit on a credit-based currency called Moments. The internal currency model is similar to OurDream.AI’s DreamCoins, Joi’s Neurons, and the DreamAI SRL family’s tokens, with the difference that Secrets.AI structures access as a three-tier ladder where the Moments allocation grows with the tier rather than running on a single subscription level with separate token packs.
The product is documented in detail in the vendor’s public wiki, which is unusual for this category. Most competitors publish marketing pages with selective feature lists; Secrets.AI publishes explicit tier multipliers, recall percentages, and feature gates. This documentation transparency is a distinguishing positive even before considering the Private Mode privacy positioning.
Secrets.AI’s Privacy Policy states that users can enable Private Mode, which encrypts conversations end-to-end and prevents those conversations from being used for AI training purposes. This is rare in the AI companion category. For comparison: Joi’s policy explicitly does not guarantee end-to-end encryption and treats chat as stored service data. OurDream.AI stores chat data for service operations. The DreamAI SRL family does not surface E2EE controls in public-facing documentation. Most apps in this product type retain chat content for moderation, training, and analytics by default.
If conversation privacy matters to you, Private Mode is the feature that separates Secrets.AI from the rest of the category. The opt-out from AI training combined with E2E encryption gives users a privacy posture that approaches what end-to-end encrypted messaging apps offer, which is unusual in a category built largely around chat content harvesting.
Enable Private Mode before any conversation you want covered. The E2EE and training opt-out apply on a conversation-mode basis, not retroactively. As with any privacy tool, avoid sharing real-world identifiers (full name, address, account numbers) regardless of which mode you’re using.
The vendor publishes three subscription tiers. The Lite tier was removed for new users on January 30, 2026 per the wiki; any third-party reference to “Lite” should be treated as legacy.
| Tier | Monthly | Annual | Daily messages | Max message length | Monthly Moments |
|---|---|---|---|---|---|
| Free | $0 | $0 | 20/day | 500 chars | 0 |
| Premium | $19.99/month | $159.99/year ($13.33/month) | Unlimited | 1,000 chars | 8,000 |
| Ultimate | $39.99/month | $319.99/year ($26.67/month) | Unlimited | 2,000 chars (2x Premium) | 15,000 |
Beyond monthly and annual, the vendor wiki documents intermediate billing cycles: Premium at $49.99/quarter ($16.67/month) and $89.99/biannual ($15.00/month); Ultimate at $99.99/quarter ($33.33/month) and $179.99/biannual ($30.00/month). The quarterly-to-annual progression gives real step-downs in effective monthly rate at each commitment length, which is more granular than competitors that offer only monthly-or-annual.
Moments are the credit currency used for image generation, video creation, and audio calls. The monthly grant resets each cycle, and the total balance can drop when grant Moments reset (unused grant Moments don’t accumulate indefinitely). Top-up purchases above the subscription grant carry bonus percentages:
The unlimited daily message cap applies to text chat only. Image generation, video creation, and audio calls all draw from the Moments balance. If you generate a lot of media, Moments are the main cost driver, not the subscription tier. Track Moments usage in the account UI rather than assuming the monthly grant covers heavy media use.
Secrets.AI publishes a documented “previous conversations recalled” percentage by tier, which is rare in the category. Most competitors describe memory in marketing terms (“strong memory”, “Semantic Memory 2.0”) without concrete metrics. Secrets.AI provides specific tier multipliers:
| Tier | Memory access | Context length boost | Previous conversations recalled |
|---|---|---|---|
| Free | Basic | Baseline | Not documented |
| Premium | 4x access | +60% context | ~67% |
| Ultimate | 6x access | +100% context | +100% |
Treat these as vendor-reported platform signals rather than independently audited benchmarks. The specificity is useful for comparison shopping: SpicyChat.AI’s “Semantic Memory 2.0” branding implies stronger retention than community-reported 15-20 message fade suggests, while Secrets.AI publishes percentages directly.
Two features sit on the Ultimate tier and are not available below it. Group Chats let you interact with 2-3 AI companions simultaneously, which is structurally different from the 1-on-1 model that defines most competitors. Personas let you create and switch between identities you use to interact with companions, useful for roleplay scenarios with multiple character setups or for users who want clean separation between different conversation contexts.
The Group Chats feature in particular is uncommon in the audited category. Most AI companion apps focus on single-character interaction; Secrets.AI’s multi-companion support is a structural feature, not a UX addition.
The $20 crypto minimum is documented as a per-transaction floor, not a monthly cap. If you want to pay $19.99 for one month of Premium with crypto, the transaction may not be processable; you’d need to top up Moments or pay quarterly to clear the threshold. This is unusual in the category; most apps accepting crypto don’t publish a minimum.
Independent of how the product performs, these are the practical risks worth knowing before signing up:
| Area | Risk level | Why it matters |
|---|---|---|
| Moments burn rate | Medium-High | Media features draw from the Moments balance, not unlimited messaging. Heavy users hit the grant ceiling and need top-ups. |
| Pricing accuracy | Medium | Not in May 2026 nine-app audit. Pricing here is from vendor wiki, not vendor-checkout verified. |
| Tier availability changes | Medium | Lite tier removal in January 2026 establishes precedent that tier structure can shift over time. |
| Operator entity transparency | Medium | Vendor entity not surfaced in public-facing documentation. |
| Privacy posture | Low | Private Mode with E2E encryption and training opt-out is the strongest documented privacy framework in the audited category. |
| Payment flexibility | Low | Cards (no Amex), virtual debit, and crypto with $20 minimum. Wider acceptance than most competitors. |
Tier structure (Free / Premium / Ultimate), pricing across monthly / quarterly / biannual / annual billing cycles, Moments grants (0 / 8,000 / 15,000), top-up bonus percentages (10% Premium / 15% Ultimate), memory and context multipliers (4x and +60% Premium; 6x and +100% Ultimate), previous-conversations-recalled signals (~67% Premium / +100% Ultimate), Personas and Group Chats as Ultimate-only features, Group Chats supporting 2-3 companions, Private Mode E2E encryption and AI training opt-out, payment method list (cards minus Amex, virtual debit, crypto $20 minimum), cancellation behavior, mid-cycle upgrade with prorated credit, and Lite tier removal date (January 30, 2026) all verified from Secrets.AI’s official wiki and Privacy Policy.
What this review did not verify: pricing at vendor checkout from a live test purchase (Secrets.AI was not part of the May 2026 nine-app pricing audit; documented prices are from vendor wiki only). Operator entity (registered company) not surfaced in public documentation. Private Mode actual encryption implementation (E2E is documented as policy, not independently audited). Recall percentages are vendor-reported signals, not independently benchmarked. Refund process actually executing. Long-term memory consistency across the 4x/6x access tiers.
Secrets.AI is the privacy-focused pick in the AI companion category. The Private Mode framework (E2E encryption plus AI training opt-out) is the strongest documented privacy posture in the audited set, and the vendor’s wiki provides more explicit tier metrics (memory multipliers, recall percentages, context boost percentages) than competitors typically publish. Group Chats with 2-3 companions on Ultimate and Personas for identity separation add structural depth that doesn’t exist in 1-on-1-only alternatives.
The friction points are pricing transparency and tier cost ceiling. Secrets.AI was outside the May 2026 audit, so Premium and Ultimate pricing should be confirmed at the vendor checkout rather than treated as fixed. Ultimate at $39.99/month or $26.67/month annual is the most expensive subscription tier in the audited category aside from custom enterprise tiers, and the Moments-based media economy means heavy users still hit the same top-up dynamic as token-economy alternatives. If privacy and documented product transparency are your priorities and you can budget for the Ultimate tier or work within Premium’s 8,000 Moments allocation, Secrets.AI is the right pick. If lower-cost video access matters more, OurDream.AI’s coin economics or SpicyChat.AI’s no-token tier-based model will fit better.
Documented changes to this review and the dates they were verified.
May 11, 2026. Full review rewrite. Added Private Mode E2E encryption and AI training opt-out as central privacy wedge (block-success), positioning Secrets.AI as the strongest documented privacy posture in the audited category vs. Joi (no E2EE), OurDream.AI (service-stored), and DreamAI SRL family (no documented E2EE). Added cross-comparison context against all 9 audited apps. Added explicit methodology disclosure that Secrets.AI was outside the May 2026 audit scope (pricing from vendor wiki, not vendor-checkout verified). Added concrete tier metric framing (memory multipliers 4x/6x, context boost +60%/+100%, recall ~67%/+100%) as transparency advantage. Added Group Chats with 2-3 companions and Personas as Ultimate-only feature differentiators. Replaced broken cross-link /apps/kindroid/ with 7 valid cross-links covering audited apps. Added Common Risks cross-list, Who Secrets.AI Is For and Who Should Look Elsewhere sections, methodology notes, verdict. Preserved official wiki facts: tier structure, billing cycle table, Moments grants, top-up bonuses, payment methods, cancellation behavior, Lite tier removal date (January 30, 2026).
Verified by: Derek Leon · Method: Secrets.AI official wiki and Privacy Policy review, cross-referenced with the May 2026 nine-app pricing audit comparison context.
I 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.
