Secrets AI keeps popping up on every "best AI girlfriend" list in 2026 — and after five days of hard testing, I understand why. The chat quality is genuinely impressive, voice calls feel natural, and the March 2026 update added group chat with multiple companions that's actually fun to mess around with. But here's the thing nobody explains upfront: one video costs 600 Moments.
Premium subscribers get 8,000 Moments a month. Do the math and you've got roughly 13 videos before your balance hits zero — and that's before you've generated a single image. I came into this review as someone who'd already spent time with Candy AI, CrushOn AI, and OurDream. I left it with a clearer picture of who Secrets AI is actually built for, and who should probably look elsewhere.
Secrets AI is a browser-based AI companion platform launched for adults who want realistic chat, voice calls, and AI-generated images and videos of their companions. It runs entirely in-browser — no dedicated mobile app — and offers a library of roughly 94 pre-built characters plus a custom creation tool. The platform uses a virtual currency system called Moments to gate media generation and advanced features.
In early 2026, the team shipped notable updates: group chat with up to two AI companions simultaneously, group image generation, new LLM models tuned for more explicit scenarios, and a "Time Travel" message editing tool that lets users rewrite past messages and have the AI regenerate responses while preserving memory continuity.
If you're drawn to Secrets AI specifically because of video, Candy AI is the direct upgrade. Its Live Action video mode produces clips of up to 120 seconds — compared to the short clips Secrets AI generates before your 600-Moment balance evaporates. The V2 image engine is consistently sharper and more responsive to explicit prompts than Secrets AI's Premium image model, which reviewers repeatedly flag for ignoring detailed requests. Candy AI is built by Candy Network, headquartered in Valletta, Malta, with over 11.6 million monthly visitors as of 2026 — a scale that reflects genuine platform stability. Annual subscribers pay as little as $5.99/month, which is cheaper than Secrets AI's Lite tier while delivering a meaningfully stronger media output.
The trade-off: Candy AI's token system for images can still accumulate costs for heavy generators, and voice quality lags behind Secrets AI's more natural call experience. But for users who specifically want the visual and video experience to match the marketing promises, Candy AI delivers more reliably. Best for: users who want the best image and video quality in the AI
The single biggest frustration with Secrets AI is watching your Moments balance drop with every video you generate. CrushOn AI removes that problem entirely. There is no virtual currency system — what you pay for is what you get, with message limits tied cleanly to your subscription tier rather than a parallel credit economy. The Standard plan starts at $4.90/month, undercutting Secrets AI's Lite plan while delivering fully unrestricted NSFW text chat with no filters and no content gates.
The character library is enormous by comparison — community-created characters number in the thousands, meaning the diversity problem that plagues Secrets AI's ~94 pre-built models essentially disappears. Where CrushOn falls short is image generation and voice quality; neither matches Secrets AI's output. Memory depth at lower tiers is also shallower. But for users whose primary activity is extended NSFW text roleplay — without worrying about a Moments timer — CrushOn AI at $4.90–$7.90/month is the most cost-effective unfiltered option in the market right now. Best for: budget-conscious users who prioritize chat breadth over media generation.
Secrets AI's browser-only existence becomes a real daily friction point for users who live on their phones. Talkie AI solves that immediately — it runs as a native app on both iOS and Android, with a free tier substantial enough to actually evaluate the platform before spending money. Character creation is strong, with personality, voice, and backstory customization that shapes conversations in meaningful ways. Memory retention is present, though reviewers note that character consistency over very long sessions can drift. The biggest distinction from Secrets AI is content scope: Talkie AI sits in lighter territory, designed more for companionship and casual roleplay than heavy NSFW scenarios.
That makes it the wrong choice for users who specifically need unfiltered adult content, but the right choice for anyone who wants a quality AI companion experience they can pull up on their commute without opening a browser tab. The platform is particularly strong for creative storytelling and character-driven roleplay where explicit content isn't the primary draw. Best for: mobile users wanting a genuinely usable free tier and casual or light roleplay without subscription commitment.
For most people trying AI companions for the first time, Candy AI is the safer recommendation — better visual output, mobile access, and pricing that's competitive even against Secrets AI's cheapest paid plans. CrushOn AI wins if unfiltered text chat is the priority and you want the lowest possible monthly spend. Secrets AI earns its place for users who specifically value conversation quality and emotional continuity above everything else — and are willing to budget carefully around the Moments system to get there.
After five days of testing — including chat, voice calls, image generation, video generation, and the new group chat — I'd say Secrets AI is a genuinely solid platform held back by one specific design choice that the marketing buries completely.
Conversation quality is the strongest I've tested outside of Replika — emotionally adaptive, remembers context within sessions, and doesn't feel robotic even during NSFW exchanges
Voice calls are natural and tonally responsive; the flirty shift during intimate chat happens organically rather than feeling scripted
Group chat with two companions added in March 2026 is unexpectedly entertaining — running parallel storylines with two characters is something most competitors haven't shipped yet
No native mobile app — browser-only in 2026 is a real limitation when competitors like Candy AI and Talkie AI have full iOS/Android experiences
Character customization is shallower than advertised — you're choosing from ~94 pre-built models rather than building from scratch, and creating a second custom character costs 1,000 Moments out of pocket
Privacy policy is vague to the point of being a problem — no mention of encryption, no stated data retention period, and zero clarity on whether intimate conversation data is shared with third parties
If the no-app situation is a dealbreaker, Talkie AI runs cleanly on mobile with a strong free tier. If deeper character customization matters more, CrushOn AI's community-driven library gives you far more meaningful variety at lower monthly cost.
What it can do:
Unlimited text messaging on Premium and above, with context-aware memory that improves over time
Voice calls with natural-sounding companions that adapt tone to conversation context
Image generation via the Generation Studio — two models available (Advanced for prompt accuracy, Premium for speed)
Video generation of companions in realistic motion, synced to character personality
Group chat with up to two AI companions, each maintaining their own memory thread (March 2026 addition)
"Time Travel" message editing — rewrite past messages, AI regenerates responses while maintaining memory continuity
100+ pre-designed fantasy scenarios as conversation starters across categories
Custom character creation (first one free; additional characters cost 1,000 Moments each)
Current limitations:
No native iOS or Android app — web browser only
Explicit image/video generation is inconsistent; the NSFW model often ignores detailed prompts or adds visual artifacts
Free tier is genuinely too restricted to evaluate the real platform (only 200 starting Moments — enough for roughly 4 images before you're locked out of media)
Character diversity skews heavily toward slim white women in their 20s; other body types and ethnicities are available but uncommon
Privacy policy contains no specifics on encryption, data storage duration, or third-party data sharing
If these limitations are dealbreakers, Candy AI handles mobile access and explicit image generation more reliably, and CrushOn AI offers a wider character range without the depth limitations.
Here's what most Secrets AI reviews quietly skip over. The Moments system sounds harmless until you understand what things actually cost. Text chat burns 1–2 Moments per message, which is fine. Images run around 30–50 Moments each. But video generation — Secrets AI's most-marketed feature — costs approximately 600 Moments per clip.
Premium subscribers ($19.99/month) receive 8,000 Moments. That sounds generous until you're generating videos regularly. At 600 Moments per video, your entire monthly allowance covers roughly 13 short clips — and that's before any images, voice calls, or memory saves. Heavy media users on Premium will hit zero well before the month ends, at which point the platform prompts you to buy Moment top-up packs.
Creating a second custom character adds another 1,000 Moments to that burn rate — equivalent to nearly two video generations just to unlock a new companion. Reviews elsewhere describe this as "equivalent to 1/8 of your entire Premium subscription just to make one character." The billing itself is discreet: charges appear as "S Labs Inc" on your statement, which reviewers note is intentional for privacy. Good for discretion, potentially confusing if you forget what you subscribed to.
The smarter play is this: if video generation is your main goal, the Ultimate plan at $39.99/month gives you 15,000 Moments plus a 15% monthly bonus, which makes the math significantly more workable.
When the Moments math becomes suffocating, CrushOn AI is what I keep coming back to. No credit system. No Moments drama. Flat subscription pricing from $4.90/month gives you unrestricted chat without watching a counter tick down every time you try something. Candy AI solves the video frustration differently — its Live Action clips run up to 120 seconds, which is dramatically longer than what Secrets AI offers, and the V2 image engine is more consistent with explicit prompts.
If you want the companion experience on your phone rather than a browser tab, Talkie AI runs natively on iOS and Android with a real free tier that doesn't gate-keep you after four image requests.
This quick trailer shows the vibe of DRT.fm's "Futa World AI" experience: you set the direction, and the character adapts to whatever story you want to build. It's basically a fast peek at how it works and what you can create.
Yes — with a clear asterisk. Secrets AI has the best conversational engine I've tested among platforms in this price range. The emotional adaptability, memory continuity within sessions, and the genuine quality of voice interactions put it ahead of CrushOn AI and most character-library platforms. The March 2026 group chat update is legitimately fun and still relatively rare in this space.
The platform draws consistent engagement from users who describe conversations that feel personalized rather than generic, and the character-specific memory preventing the "cold restart" problem that ruins immersion on cheaper competitors. The issue isn't quality — it's the economic design. Moments depletion is a feature, not a bug, and power users who come for video generation will find that $19.99/month doesn't stretch as far as the marketing implies.
Secrets AI is worth it if your use case is primarily text chat and occasional voice calls, with media generation as a bonus you use sparingly. The Plus plan at $9.99/month is probably the smarter entry point for most users — you get enhanced memory and solid chat without paying Premium pricing for Moments you'll burn through faster than expected. If video generation is the main draw, the math only works comfortably at the Ultimate tier ($39.99/month).
Casual users, mobile-first users, and anyone who wants to generate media freely and frequently should look at Candy AI or CrushOn AI first. The $19.99/month Premium plan is frequently oversold relative to what heavy media users actually get for it.
Secrets AI is an adult-oriented platform that requires age confirmation (18+) at signup and explicitly markets itself toward NSFW conversation, roleplay, and media generation. The platform allows explicit text chat, suggestive and nude image generation, and video generation with companion characters. That said, the explicit image and video models underperform in practice — reviewers consistently report that detailed NSFW image prompts are partially ignored, results sometimes substitute unexpected poses or backgrounds, and the "Premium" image model marketed for adult content produces notably inconsistent output on explicit requests.
The platform does not appear to run advertisements within the interface. Data practices for advertising purposes are not transparently disclosed in the available privacy documentation, which is a gap worth noting for any user sharing personal information through the platform.
No content involving minors in any capacity
No content depicting non-consensual scenarios
No harassment directed at real individuals
Violations result in account suspension or permanent ban
Age verification is self-declared at signup — no identity verification process is in place
Content generation is user-prompted; the platform does not pre-filter roleplay scenarios beyond stated prohibitions
Secrets AI collects standard account data (email, billing information) and stores conversation history on its servers. The platform's privacy documentation is notably thin — there is no stated encryption standard, no disclosed data retention period, and no explicit statement on whether conversation data is shared with AI training partners or third-party advertisers. Billing is discreet: charges appear as "S Labs Inc" on bank statements, which prevents identifying the service on financial records but shouldn't be mistaken for end-to-end privacy protection.
The platform does allow users to erase conversation history through Settings, though the process for requesting full data deletion is not prominently documented. For any user sharing intimate or personally identifiable information through the platform, the absence of clear encryption and retention disclosures is a meaningful gap.
The platform requires users to confirm they are 18 or older before accessing any content. There is no formal identity verification system — age confirmation is self-declared. Content moderation exists for the stated prohibited categories (minors, non-consent) but is not independently audited or transparently reported. The platform operates with a username system that allows users to maintain pseudonymity.
Secrets AI is listed on Crunchbase as a company developing AI-driven virtual companions with real-time image and video generation and interactive memory agents. The company's full legal entity name and headquarters location are not publicly disclosed in marketing materials — check the official website's Terms of Service for current legal entity details. No major press coverage or identified investor backing is on record as of this review. The platform has been operational long enough to generate independent reviewer coverage across multiple AI companion review sites in 2025 and 2026.
Secrets AI does not appear to maintain a publicly active Discord server or Reddit community at the scale of competitors like CrushOn AI. Support is primarily handled through in-app contact options and email. Documentation exists through the platform's own knowledge base — check secrets.ai directly for current support options, update logs, and policy details.
Secrets AI uses a tiered subscription model with a Moments-based virtual currency layer on top of subscription access.
200 Moments on signup (enough for approximately 4 images, or a handful of voice minutes)
Access to full character library for browsing
Limited text chat — not enough to meaningfully evaluate platform quality
No video generation
No enhanced memory features
No NSFW image or video content
Plan | Monthly | Annual (per month) |
Lite | $5.99/mo | ~$4.00/mo |
Plus | $9.99/mo | ~$6.67/mo |
Premium | $19.99/mo | ~$13.33/mo |
Ultimate | $39.99/mo | ~$26.67/mo |
Lite unlocks 1,000 Moments/month, basic memory, image generation access
Plus adds enhanced memory, higher Moment allocation (~2,000–3,000), better model access
Premium delivers 8,000 Moments/month, unlimited messaging, full media access, advanced memory, premium AI models
Ultimate delivers 15,000 Moments/month plus a 15% monthly bonus, group chat, maximum memory depth (6x recall capacity), priority support
Moment top-up packs are available for purchase when your monthly allocation runs out
Additional custom characters beyond the first cost 1,000 Moments each
Exact top-up pack pricing — check secrets.ai for current bundle rates
Annual billing reduces costs significantly — Premium drops from $19.99/month to roughly $13.33/month on a yearly commitment, saving approximately $80 per year. The Lite annual plan at ~$4/month is one of the cheaper entry points in the AI companion space. No verified public promo codes are confirmed at time of writing — check the platform's official site for any current offers. All plans auto-renew; there is no stated free trial period beyond the initial 200 Moments.
Secrets AI operates primarily in English, and the conversation engine and character personalities are built around English-language interaction. Some voice models support alternate language input to varying degrees, but the platform does not advertise multilingual support as a feature. If non-English chat quality matters, check secrets.ai for current language availability before subscribing.
Platform: secrets.ai
Sign up / login: secrets.ai (email-based, no social sign-in required)
Mobile access: Browser only — no App Store or Google Play listing confirmed as of April 2026
Support: Contact via in-app support or the platform's help documentation at secrets.ai
Crunchbase profile: crunchbase.com/organization/secrets-ai-d374
Secrets AI in 2026 is a well-built platform with a genuine strength in conversational realism and a significant design problem in its Moments economy. If you chat more than you generate media, the Plus or Premium plans represent fair value. If you're here for video generation, the math works best at Ultimate, and even then you're paying $40/month for a browser-only experience with no mobile app and a privacy policy that raises more questions than it answers.
I'd recommend it to users who've already tried cheaper options and found the chat quality disappointing. For everyone else, start with Candy AI or CrushOn AI — both deliver more transparent value for less money.