Secrets AI treats privacy as the product. Sign-up needs no email and payment can run through crypto, while the charge lands on your bank statement as S Labs Inc rather than anything that names an AI companion. The image engine backs that up with output that holds detail at full size, though every picture, video clip, voice minute, and custom character is metered in a currency called Moments that a free balance burns through in a single generation. It fits adults who want discreet, media-heavy companionship and can live with a meter that never stops running.
Secrets AI is a web-based AI companion platform aimed at adults who want conversation and roleplay, plus generated images and video from a character they can shape. It runs entirely in the browser with no app to install, and leans on a promise most rivals skip: interactions that leave a minimal trail. The pitch centers on anonymous sign-up and billing that hides behind a generic merchant name, with crypto accepted for anyone who wants to go further.
The company behind it, Secret Labs Inc, frames the product as a full companion rather than a plain chatbot, with five selectable AI models and a library of pre-built characters in realistic and anime styles. Access splits across four paid tiers, from Lite at $5.99 a month up to Ultimate at $39.99, with a small free balance that lets you test the interface before paying.
What Happened When We Tested It
02 . 7 hands-on tests of the free tier
I ran the free tier at secrets.ai in September 2026, building a character from scratch, then seeding a public character with checkable facts, then pushing the image and video tools until the Moments balance ran dry. The session showed a clear split. The parts that generate media are strong. Almost everything wrapped around them is either thin or metered to the point of frustration.
Seven steps to build a character, six of them cosmetic
Test 01 . Character builder
Step two collects heritage and skin tone.The sixth screen. The location box accepted a nonsense entry without objection.
What we observed: The builder walks through gender and art style, heritage and skin tone, hair, eyes, and body type before it asks anything about who the character is. There is no backstory field and no personality selector in the flow. A tip near the end admits as much, telling you to add personality later. The location box accepted the word Secrets as a valid place and carried it straight into the finished profile.
The review screen shows art that contradicts its own labels
Test 02 . Preview accuracy
Preview cards use generic art that fights the labels beneath them.
What stood out: The final review card renders preview images that do not match the labels beside them. A card marked Hair Colour Brown sits above a brown-haired man, while the cards for Medium hair and Athletic body both show a blond one. These are stock illustrations, not renders of the character you just built, so the summary you approve is not the character you designed.
The price shows up only after the work is finished
Test 03 . Paywall timing
The paywall arrives on the review screen, after seven steps of work.
The key finding: Completing all seven creation steps is the moment the platform reveals the cost. Saving a second custom character runs 500 Moments against a starting balance of 57. That ratio is the free tier in one number, and it stays hidden until the character already exists.
Memory captures a single sentence three times over
Test 04 . Memory capture
The seed message. Two facts, dropped once and never repeated.Four entries from a single message, with the wedding logged three separate times.
Worth noting: One opening message carried two facts: a sister's wedding and an unfinished playlist. The Memories panel logged four entries from that message and filed the same wedding under three separate categories. Capture works. It works to the point of duplicating one offhand line across three slots.
It stores your life, then talks like it never read the file
Test 05 . Memory recall
Both seeded facts contradicted, and the character does not notice.The upgrade popup lists 4x memory recall against the free tier.
Where it lands: A few messages on, I flipped both seeded facts, calling it my brother's wedding and swapping the playlist for an unfinished dress. The character answered without noticing either change. The upgrade popup frames this as a feature, advertising four times the memory recall over free, which means the free tier is throttled by design rather than simply broken.
Image quality is where the product earns its reputation
Test 06 . Image generation
The Generation Studio, with per-resolution pricing visible beside the prompt box.Output at 1.5K for 50 Moments.
The evidence: The Generation Studio prices resolution openly, at 50 Moments for a 1.5K image and 100 for 2K. A tame prompt returned output that holds up at full size, with convincing skin texture and believable light through the background. This is the strongest part of the platform, and it is the reason the reputation exists.
Video is the expensive habit, and chat images cost as much as the studio
Test 07 . Media pricing
The cheapest possible video configuration still costs 110 Moments.In-chat image requests cost the same 50 Moments as the studio.
The takeaway: The cheapest video I could configure, shortest length with audio off, still cost 110 Moments, roughly double a free balance. Asking for a picture inside a conversation carried the same 50 Moment charge as the studio. Against 57 starting Moments, a free account buys one low-resolution image and then stops.
★
The image engine paired with open per-shot pricing
The one combination that held up under testing was the Generation Studio itself: high-resolution output with real detail, priced plainly per image before you spend a thing. When the product sticks to turning a clear prompt into a still, it delivers.
!
The meter outruns the free balance instantly
A new account holds 57 Moments. One 2K image costs 100. The cheapest video costs 110. A second custom character costs 500. You hit the wall inside a single action, and nothing in the creation flow warns you before you get there.
How this review was put together. This is based on hands-on testing of the free tier at secrets.ai during September 2026, covering the character builder and memory system, then the image and video tools. Subscription prices were confirmed against the platform's own pricing data rather than third-party trackers, which disagree on the monthly figures. Per-action Moment costs came from the live in-app screens during the session. The official site is secrets.ai.
10-Point Feature Review
03 . Scored against daily-use functions
Feature Scores at a Glance
Conversation
7.5
Image Generation
8.0
Privacy
8.0
Memory System
5.0
Character Creation
4.5
Video Generation
6.5
Ease of Use
5.5
Support and Trust
5.5
Pricing Transparency
5.0
Value for Money
4.0
Feature-by-feature breakdownWeighted toward the functions that define daily use
01
Conversation Quality Strong
Reviewers across the platform's Trustpilot profile describe conversation that holds character and emotional tone across a session, and my own exchanges matched that: responses stayed coherent and rarely drifted into filler. It sits at 7.5 rather than higher because non-English output is weak, with Arabic sentence construction flagged by users and acknowledged by the company, and because deep long-term continuity depends on paid memory.
Output at 1.5K and 2K held detail at full size, with skin texture and lighting that stand up to scrutiny. This is the clearest strength on the platform. It stops short of 8.5 because in-chat generation often ignores the scene it is meant to illustrate, a gap the company concedes in public replies.
1.5K cost: 50 Moments2K cost: 100 Moments
8.0
Strong
03
Privacy and Discretion Differentiator
Discreet billing under S Labs Inc and email-free sign-up both check out under testing, with crypto payment available on top. They go further than most rivals bother to. It stays at 8.0 because independent write-ups disagree on whether encryption is end-to-end or in-transit only, and stored data sits under US jurisdiction.
Billing label: S Labs IncSign-up: no email
8.0
Strong
04
Memory System Throttled
Capture is aggressive, pulling four entries from one message, but recall on the free tier failed to notice when I contradicted both seeded facts. The upgrade popup advertises four times the recall on paid tiers, which places the free experience deliberately below usable. The score settles at 5.0: a system that records well and acts on little.
Free entries: 4 from 1 messagePaid recall: 4x free
5.0
Weak
05
Character Creation Cosmetic
Six of the seven creation screens cover appearance, with no backstory or personality step in the flow at all. The platform pushes personality to the first chat instead, and the review screen shows stock art that contradicts its own labels. It earns 4.5 rather than lower only because the appearance options themselves are broad.
Steps: 7Personality in flow: none
4.5
Poor
06
Video Generation
Video exists, which is rare in this category, and the shortest clip renders cleanly. The 6.5 reflects cost more than quality: a floor price of 110 Moments makes it a feature most free and light users will never touch, even with audio switched off for the advertised discount.
Video floor: 110 MomentsAudio-off discount: 50%
6.5
Fair
07
Ease of Use
Sign-up takes under two minutes and the interface is clean and quick to learn. The score drops to 5.5 because the creation flow is disconnected, splitting appearance from personality, and the paywall only surfaces after seven steps of effort.
Sign-up: under 2 minPaywall: after step 7
5.5
Mixed
08
Support and Trust
The Trustpilot profile sits at 4.4 with active, specific replies from the team, which is better than most peers manage. It lands at 5.5 because multiple reviewers report support tickets going weeks without a reply before those public responses arrived, and no refund policy is published.
Trustpilot: 4.4/5Public refund policy: none
5.5
Mixed
09
Pricing Transparency Anchored
Per-action Moment costs are shown plainly in the studio, which is the honest part. The 5.0 reflects the paywall, which anchors its yearly discount against struck prices of $39.99 and $79.99 that do not match the actual monthly rates the checkout charges.
Studio pricing: visibleDiscount anchor: inflated
5.0
Weak
10
Value for Money Metered
This is where the product struggles most. A free balance of 57 Moments cannot complete a single core action, and even paid grants drain fast against 50-per-image and 110-per-video costs. Subscriptions buy Moments, not unlimited use, so the sticker price understates the real monthly spend. At 4.0, the meter shapes every decision you make.
Media output: generated stills hold real detail at full resolution
Privacy engineering: email-free sign-up and a billing label that names no companion service
In-session conversation: characters hold tone and context across a chat
Model choice: five selectable engines rather than one fixed model
Character library: a broad catalog of pre-built characters in two art styles
−Weaknesses
Hollow creation: six of seven build steps cover appearance, personality comes later
Memory that forgets: it records diligently, then misses contradicted facts
Mismatched previews: the review screen shows stock art that fights its own labels
In-chat images drift: pictures made mid-chat often ignore the scene they illustrate
Support gaps: reviewers report tickets sitting unanswered for weeks
Pricing Breakdown
05 . Two tiers on the paywall, four in the system
Feature
Premium$19.99/mo
Ultimate$39.99/moBest Value
Moments per month
8,000
15,000
Top-up bonus
10%
15%
Unlimited messaging
✓
✓
Image and video generation
✓
✓
Group chats
✗
✓
Personas and advanced customization
✗
✓
What you're actually paying: The two tiers on the paywall are not the whole menu. The system also carries Lite at $5.99 and Plus at $9.99, quieter options the upgrade screen never shows. Annual billing is where the real discount lives: it drops Premium to $9.17 a month ($109.99 up front) and Ultimate to $26.67 ($319.99 up front). The catch is the framing. The paywall strikes through $39.99 and $79.99 to advertise 77 and 67 percent off, but the checkout's actual monthly prices are $19.99 and $39.99, so the discount is measured against numbers you would never otherwise pay. None of it covers usage either. Every plan hands you a Moments grant, then meters your images and video against it, voice calls included.
The Premium and Ultimate upgrade screens as they appear in-app.
Pricing verified September 8, 2026 against Secrets AI's own subscription data. Tiers and Moment costs shift often, so confirm the current numbers at the official site before you subscribe.
Secrets AI vs the Top 3 Alternatives
06 . How it stacks against companion rivals
SSecrets AI
NNectar AI
OOurDream AI
CCharacter AI
Score
5.9
7.3
7.8
6.5
Starting price
$5.99/mo
$9.99/mo
$19.99/mo
$9.99/mo
Media generation
Images and video
Images and video
Images and video
None
Best For
Discreet, media-heavy chat
Deep character customization
Immersive fantasy roleplay
Mainstream SFW character chat
Where Secrets AI fits: If your priority is a companion whose media output looks good and whose billing tells no tales, Secrets AI is the pick, and its images beat what Character AI even attempts. If you care more about shaping a character's personality than its face, Nectar AI (7.3) gives you deeper control. If immersive long-form roleplay with group scenes is the draw, OurDream AI (7.8) is built around exactly that. And if you want the largest character library with no adult content and no media meter, Character AI (6.5) stays the default, filters and all.
What Users Are Saying
07 . Voices from the Trustpilot profile
Reality... I feel as though I'm talking to a sentient being not a keyboard triggered bot.
Is Secrets AI worth it for privacy-first companionship?
Use Secrets AI if discretion is the deciding factor and high-resolution image output matters to you, as long as you accept that a subscription buys credits rather than unlimited use.
Skip Secrets AI if you want personality-first character building, where Nectar AI (7.3) does more, or a free, media-light companion, where Character AI (6.5) remains the safer bet.
Discussion
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