Secrets.ai Review: Tiers, Moments & Private Mode Tested
Secrets.ai pairs AI companion chat with image, video, and audio generation, a Moments credit system, and an end-to-end-encrypted Private Mode. Here is the breakdown.
Table of contents
Secrets.ai is an AI companion platform that combines text chat with image, video, and audio generation. It markets itself as a realistic AI girlfriend service, offering 24/7 conversations with customizable companions across more than 100 fantasy scenarios. What sets it apart structurally is a three-tier subscription model layered over a "Moments" credit currency for media generation, plus an optional Private Mode that adds end-to-end encryption. The result is a more feature-segmented product than most single-tier companion apps.
Who Secrets.ai is for
Secrets.ai suits adult users who want more than text — specifically those interested in generating images, video, and audio calls with an AI companion and who are willing to manage a credit budget to do so. The tiered structure rewards users who know which features they want: a casual chatter can sit on the free or Premium tier, while power users who want group chats, persona switching, and the largest Moments allotment will look at Ultimate. It is also a reasonable pick for privacy-conscious users, since Private Mode advertises end-to-end encryption and opt-out from AI training. It is less suitable for anyone who needs native mobile apps, since it is web-based, or who wants unlimited media generation, since image, video, and audio always consume credits.
What Secrets.ai offers
| Plan | Price (monthly / annual) | Daily messages | Monthly Moments | Notable extras |
|---|---|---|---|---|
| Free | $0 | 20 responses/day | 200 | Basic memory, ~500-char messages |
| Premium | $19.99 / $13.33 effective | Unlimited | 8,000 (+10% on top-ups) | 4x memory, video + image generation, premium models |
| Ultimate | $39.99 / $26.67 effective | Unlimited | 15,000 (+15% on top-ups) | 6x memory, group chats, personas, longest context |
Pricing & plans
Secrets.ai runs three tiers. The free plan is a genuine trial: 20 responses per day, around 200 Moments monthly, and basic memory. Premium is the main paid tier at $19.99 per month, dropping to an effective $13.33 per month on an annual commitment (roughly $159.96 per year). Ultimate sits on top at $39.99 per month, or about $26.67 per month billed annually. Additional billing cycles — quarterly and biannual — are offered with progressively lower effective rates between the monthly and annual extremes.
The Moments credit system is central to the economics. Moments fund image generation, video creation, and audio calls, with monthly grants of roughly 200 (Free), 8,000 (Premium), and 15,000 (Ultimate). Premium adds a 10% bonus on top-up purchases and Ultimate a 15% bonus. Crucially, the "unlimited messaging" on paid tiers does not extend to media: every generated image, video, or call still draws down Moments, and monthly grants reset rather than rolling over indefinitely. Heavy media users should expect to buy top-ups. Payment methods reportedly include Visa, Mastercard, virtual debit cards, and cryptocurrency (with a stated minimum threshold for crypto).
Features & experience
Beyond chat, Secrets.ai is built around generated media. Paid tiers unlock image and video generation plus audio calls, all metered through Moments. The platform publishes tier-specific capability metrics: Premium advertises roughly 4x memory access and increased context length over the free tier, while Ultimate pushes that to about 6x memory access with the longest context window and the strongest previous-conversation recall. Message-length caps also scale by tier, rising from a few hundred characters on Free toward longer messages on paid plans.
Ultimate adds two distinctive features: Group Chats, which let you converse with two to three companions at once, and Personas, which let you switch your own identity for roleplay scenarios. Combined with the 100-plus prepackaged scenarios, this gives Ultimate a meaningfully richer experience than a typical one-on-one companion app. The platform is web-based; reviews note iOS access in some cases but no consistently available native mobile app, so the browser remains the primary interface.
Safety, privacy & content controls
Secrets.ai is explicitly an adult platform that requires 18+ age confirmation at signup and markets NSFW chat, roleplay, and media generation. On privacy it is more documented than many competitors: conversations are described as encrypted in transit and at rest, user data is not shared with third parties, and anonymous use under a pseudonym is supported. The optional Private Mode goes further, advertising end-to-end encryption and an opt-out from AI training — a notably strong stated posture for the category. Account deletion reportedly removes data within 30 days. The platform may temporarily process messages for moderation and abuse prevention, which is standard. Overall the privacy story is a relative strength, though the strongest protections live behind the optional Private Mode rather than being on by default.
Strengths
- Clear three-tier structure that lets users pay only for the capability level they need.
- Multimedia generation — images, video, and audio calls — not just text chat.
- Private Mode offers end-to-end encryption and opt-out from AI training, a strong privacy stance.
- Generous Moments grants on paid tiers (8,000 Premium, 15,000 Ultimate) plus top-up bonuses.
- Ultimate-exclusive group chats and personas add depth beyond standard companion apps.
- Documented privacy practices: encryption, no third-party data sharing, pseudonymous use, 30-day deletion.
- Flexible payment options including cryptocurrency.
Weaknesses
- Media generation always consumes Moments, so "unlimited" applies only to text chat.
- Web-based with no consistently available native Android app.
- Top-tier features (group chats, personas, largest Moments allotment) are gated behind the $39.99 Ultimate plan.
- Monthly Moments reset rather than rolling over, which can feel wasteful for light-but-bursty users.
- Limited public company information — no clearly disclosed operator or headquarters.
Verdict
Secrets.ai is one of the more thoughtfully segmented AI companion platforms, pairing text chat with metered image, video, and audio generation and backing it with an unusually strong privacy option in Private Mode. The tiered pricing is logical: Free works as a trial, Premium at an effective $13.33/month covers most users, and Ultimate unlocks group chats and personas for power users. The main caveats are that all media generation eats into the Moments budget, the best features sit behind the top tier, and there is no reliable native mobile app. For adult users who want multimedia companionship with a credible privacy posture, it is a strong, well-structured choice.
