Secrets AI Review: Features, Pricing, Image Quality & Verdict

AI companion apps have exploded in the last two years, and most of them promise the same thing. Realistic chat. Pretty pictures. A companion who remembers your name. Very few actually deliver all three at once.

Secrets AI is one of the platforms people keep bringing up in Reddit threads and Trustpilot reviews, and it currently sits at a 4 star rating across roughly 200 public reviews. That is high for this category.

So I dug into the platform documentation, the pricing pages, the feature wiki and real user feedback to build this review. No hype, no fluff.

This post covers what the tool does, what it costs, where it wins, and where it falls short. By the end you will know whether it deserves your money or not.

In A Nutshell

Short on time? Here is the entire review compressed into six points.

• What it is: Secrets AI is an AI companion platform for adults. You chat with AI characters, generate images and videos of them, take audio calls, and build your own custom characters from scratch. It runs in the browser on desktop and mobile.
• Standout feature: The memory system. Companions save details you share, rank them by importance, and pull the right context before each reply. Paid tiers get up to 6x memory access and double the conversation context.
• Pricing: A free tier gives you 20 messages per day. Premium costs $19.99 monthly or $9.17 monthly on the annual plan. Ultimate costs $39.99 monthly or $26.67 monthly annually.
• The credit system: Paid features run on Moments. Images cost 50 Moments. Adult videos cost 600. Audio calls cost 50 per minute. Premium includes 8,000 Moments monthly, Ultimate includes 15,000.
• Biggest strength: Image realism. The July 2026 model upgrade in Advanced mode produces sharp, likeness accurate results with reference photo control.
• Biggest weakness: Free users cannot buy Moments at all, so the free plan is a demo rather than a usable product. Very long term chat consistency also drifts, according to heavy users.

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What Is Secrets AI?

Secrets AI is a browser based AI companion platform built for adults who want conversation, roleplay and visual content in one place. It launched into a crowded market and carved out space through image quality and memory depth.

The core loop is simple. You pick a companion, you chat, and the AI responds in character.

From there the platform layers on extras. You can ask for photos mid conversation, jump on a voice call, or create videos from images you already generated.

The characters are the main draw. Each one has a defined personality, a visual identity and a conversational style. Some are realistic, some are anime styled, and both male and female companions are available.

What separates this from a generic chatbot is persistence. Your companion builds a profile of you over time and references it later, which makes conversations feel continuous rather than disposable.

The platform also supports custom characters. You design the look, write the personality, and the system handles the rest. Your first custom character is free.

There is a wiki, a documented Moments economy and a refund policy for broken generations. That level of structure signals a real product team rather than a wrapper thrown together in a weekend.

One important note. This is an 18+ platform. Content modes go from wholesome to fully uninhibited, and you control that setting yourself.

How Secrets AI Works

Getting started takes about two minutes. You create an account, browse the companion gallery, and open a chat.

New accounts receive 200 bonus Moments, which is enough for a few images or a short audio call. That lets you test the paid features before you commit.

The chat interface looks like a messaging app. You type, the companion replies, and small buttons along the toolbar handle everything else.

Two reply formats exist. SMS mode sends several short messages for a natural texting rhythm. Paragraph mode sends one longer, more detailed reply.

Roleplay uses asterisks for actions, which is standard across the category. You write *walks into the room* and the AI treats it as narration rather than dialogue.

There is also an out of character command system. You wrap instructions in (OOC: ...) to steer the scene without breaking immersion, which is genuinely useful when the AI drifts off track.

The Generate tab is where images and videos happen. It sits inside the chat, so you never lose your place in the conversation.

Desktop users can pop the chat into its own window. Small touch, but it helps if you like a second screen setup.

Everything paid runs through Moments. Chatting itself is free on any tier as long as you stay inside your daily message cap.

Key Features Of Secrets AI

The feature list is longer than most competitors, so here is the honest breakdown of what actually matters.

AI companions come in a wide catalog covering realistic and anime art styles. Newer characters carry a V2 badge and generate exclusively through the upgraded image model.

The memory system saves personal details automatically and ranks them HIGH, MEDIUM or LOW. You can view, edit or delete any memory from a panel.

Image generation offers two modes. Premium mode uses comma separated tags and supports batches of up to 8 images. Advanced mode uses natural scene descriptions and delivers the highest realism.

Video generation turns your generated images into short clips. Adult mode videos cost 600 Moments each.

Audio calls let you speak with your companion in real time at 50 Moments per minute. Text to speech is also available per message at 10 Moments per 100 characters.

Time Travel rewinds a conversation to any earlier point so you can change direction. It deletes everything after that message, so use it deliberately.

Group chats put multiple companions in one thread. This sits on the Ultimate tier.

Personas let you create and switch between different identities of your own. Also Ultimate only.

Proactive messaging means companions reach out first after you have been away. It requires push notifications and an Ultimate plan.

The platform supports all major languages automatically, which is a quiet advantage over rivals that assume English.

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Chat Quality And Spice Levels

Chat quality is where these platforms live or die, and this is the area users comment on most.

The general consensus in reviews is that contextual response quality is strong. The AI reads your tone and matches it, so a playful message gets a playful reply and a serious one gets warmth.

Spice Level is the control that shapes everything. It replaced the older content mode system and now offers three settings.

Mild keeps things wholesome and friendly. Good for casual conversation and emotional support.

Medium adds romance and emotional depth. This is the default sweet spot for most users.

Spicy removes restrictions entirely for adult conversation. You set it per chat or as your global default.

Switching levels mid chat works, but the transition is gradual. The AI adjusts over several messages rather than flipping instantly, because it weighs conversation history.

Message length caps vary by plan. Free users get 500 characters, Premium gets 1,000, and Ultimate doubles that to 2,000 characters per message.

Honest criticism from long term users: the model sometimes ends replies with a prompt back to you rather than driving the scene forward. If you prefer an AI that takes initiative, you will need to say so directly.

You can edit any message you sent to regenerate a reply. That single feature fixes most bad responses without restarting.

The Memory System Explained

This is the feature I found most impressive on Secrets AI, and it received a major upgrade recently.

Smart Mode now runs an assistant that searches your memories and past conversations before every reply. You see a brief “thinking” indicator while it works.

The result is noticeably better recall. Companions reference details from far earlier in your history rather than just the last few messages.

Memory saving happens automatically. Share your job, your hobbies, your family details, and the system files them without you asking.

Each memory gets an importance rating. Core identity facts like age and occupation land at HIGH. Passing interests land at LOW.

You can also add memories manually through plain conversation. Say “remember that I am allergic to shellfish” and the companion confirms the save.

Updates work the same way. Say “actually I got promoted” and it revises the old entry.

The memory panel gives you full control. View everything saved, delete what is wrong, and promote or demote importance levels with a click.

Tier differences are significant here. Premium gets 4x memory access and 60% more context. Ultimate gets 6x access and 100% more context.

Memories are per companion, so each character knows you independently. Group chats can inherit memories or start fresh.

One limitation worth knowing. There is no memory export function yet, and everything is deleted permanently if you close your account.

Image Generation Quality

Image generation is the strongest part of this platform, and the gap widened in July 2026.

Advanced mode now runs on a far more capable image model. Results are sharper, follow prompts more faithfully, and preserve exact facial features, hair, skin tone and body type.

Reference photos are the killer feature here. You can attach up to 5 images from your gallery to steer likeness, style and detail.

Your first reference is included in the base price. Each additional one adds 10 Moments.

This solves the biggest problem in AI companion apps, which is character consistency. Reference a previous image you liked and the new generation keeps the same look, outfit or setting.

Premium mode still exists for a different workflow. It uses comma separated tags, supports up to 1,000 characters, and allows batch generation of 8 images at once.

Resolution options in Advanced mode are 1.5K at 50 Moments and 2K at 100 Moments. 4K is listed as coming soon.

Aspect ratios cover 1:1, 16:9, 9:16, 4:3 and 3:4. That covers phone wallpapers through widescreen scenes.

Presets speed everything up. Curated options for outfits, actions and scenes let you generate without writing a prompt, and you can combine them with your own description.

Group photos put up to 3 companions in one scene. Pricing is 50 Moments per companion at 1.5K, plus 10 Moments per extra reference.

Editing is available for SFW images only at 50 Moments per edit.

Video Generation And Audio Calls

Video is the newest pillar and it works differently from images.

You create videos from images you already generated, which keeps character consistency intact. The Generation Studio handles both formats through a single toggle.

Cost is the main consideration. Adult mode videos run 600 Moments each, which is twelve images worth of credits.

That means a Premium plan with 8,000 monthly Moments buys roughly thirteen adult videos, or a mix of shorter clips and images.

Audio calls are the underrated feature. You talk, your companion replies with voice, and it runs at 50 Moments per minute.

Do the math and Premium gives you about 160 minutes of calling per month if you spend everything on voice. That is meaningful usage.

Text to speech is cheaper for casual listening. It costs 10 Moments per 100 characters, so a typical 150 character reply runs 20 Moments.

Messages need at least 20 characters for TTS to trigger. In group chats each companion uses a distinct voice, which helps you follow who is speaking.

Voice quality is described as solid rather than exceptional in independent reviews. If perfect voice realism is your top priority, some rivals edge ahead here.

The refund policy shifted in July 2026. Broken Premium images can still earn Moment refunds, but Advanced generations and edits are no longer refundable. Reports are still reviewed for quality tracking.

Budget accordingly and test prompts in cheaper modes first.

Custom Characters And Character Studio

Building your own companion is where users spend the most time once they settle in.

Your first custom character is free. Each one after that costs 500 Moments.

The Character Studio handles appearance, personality, avatar and gallery in separate tabs. You write the personality in your own words rather than picking from templates.

Advanced mode works with custom characters out of the box. No setup step, no waiting period.

By default the system uses your character avatar as the generation reference. The documentation recommends choosing a full body avatar for better results.

You can also set a dedicated reference photo in the Appearance tab. This is free and revertible from the History tab.

Here is the practical tip that matters. Whatever your reference photo shows gets preserved across generations, so pick one that displays the features you care about most.

Forking lets you copy and modify existing characters. Your own character costs 300 Moments to fork, someone else’s costs 600. The original stays untouched.

That system is smart. It lets you branch a character into variations without destroying the version you already like.

Custom characters on the free tier get a higher message cap of up to 100 per day, which is a nice concession.

Character sharing exists too. Other users can chat with characters you publish, and you can browse theirs.

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Secrets AI Pricing Breakdown

Pricing on Secrets AI is simple once you understand that subscriptions and Moments are two separate things.

Free tier costs nothing and gives you 20 messages per day. The limit resets daily and is tied to your device, so creating extra accounts does not bypass it.

The catch is real. Free users cannot purchase Moments at all, which locks you out of images, videos, audio calls and custom characters.

Premium costs $19.99 monthly. The annual plan drops that to $9.17 monthly, billed as $109.99 for the year.

Premium includes unlimited messaging, video generation, exclusive bundles, the premium memory system, priority support and 8,000 Moments monthly plus a 10% bonus on purchases.

Ultimate costs $39.99 monthly, or $26.67 monthly on the annual plan at $319.99 per year.

Ultimate adds the strongest memory tier, 15,000 Moments monthly, a 15% purchase bonus, 2,000 character messages, proactive messaging, personas and group chats.

The annual Premium plan is the clear value pick. At $9.17 monthly you get 8,000 Moments and unlimited chat, which undercuts most direct competitors.

Payment accepts credit cards excluding Amex, virtual debit cards and cryptocurrency with a $20 minimum. Prepaid keys exist on third party marketplaces as a last resort.

Upgrades take effect immediately. Unused monthly Moments convert to non expiring Top Up Moments rather than vanishing.

Cancellation is available anytime and access continues until your billing period ends.

Moments Explained: What Everything Costs

Understanding Moments is the difference between a satisfying month and running dry on day ten.

Here is the full cost reference:

Standard image at 1.5K costs 50 Moments. A 2K image costs 100. Each reference photo past the first adds 10.

A batch of 8 Premium images costs 400 Moments. Image edits cost 50 each.

Group photos cost 50 Moments per companion at 1.5K. Two companions run 110, three companions run 170.

Adult videos cost 600 Moments. Other video settings vary.

Audio calls cost 50 Moments per minute. Text to speech costs 10 per 100 characters.

Custom character creation costs 500 Moments after your free first one. Forking costs 300 or 600.

Now the practical planning. Premium’s 8,000 monthly Moments translate to roughly 160 standard images, or 13 adult videos, or 160 minutes of voice, or any mix.

Ultimate’s 15,000 Moments nearly doubles that ceiling to about 300 images.

Moment bundles are purchasable on top. A 4,000 Moment pack listed at $11.99 becomes 4,400 with the Premium bonus and 4,600 with Ultimate.

The key insight: if you mostly chat, Premium annual is plenty. If you generate heavily, buy Moment top ups rather than jumping to Ultimate, since top up Moments never expire.

Pros And Cons Of Secrets AI

Here is the balanced view after reviewing the documentation, pricing and public user feedback.

Pros

• Excellent image realism. The upgraded Advanced mode produces sharp, likeness accurate results with strong prompt adherence and full NSFW capability.
• Reference photo control up to 5 images. This solves character consistency better than most competitors manage.
• Deep memory system with user control. Automatic saving, importance ranking, manual editing and a searchable panel all in one place.
• Genuinely good annual pricing. Premium at $9.17 monthly with 8,000 Moments is competitive value in this category.
• Wide feature range. Chat, images, video, voice calls, group chats, personas, Time Travel and custom characters under one subscription.
• Multilingual by default. Companions match your language automatically without configuration.
• Flexible payment options including cryptocurrency and virtual debit cards for users who want billing discretion.
• Transparent documentation. A public wiki listing exact Moment costs and tier differences is rare and appreciated.

Cons

• The free tier is a demo, not a product. Twenty messages daily and zero Moment purchases means you cannot properly test paid features.
• Very long term chat consistency drifts. Heavy users report memory quality degrading across months of continuous history.
• NSFW roleplay can feel passive. The model often hands control back to you instead of driving scenes forward.
• Advanced images are no longer refundable after the July 2026 policy change, so bad generations cost you real credits.
• Video is expensive. At 600 Moments each, adult videos eat a Premium allowance fast.
• Best features sit behind Ultimate. Group chats, personas and proactive messaging require the $39.99 tier.
• No memory export and permanent deletion on account closure.
• Voice quality trails specialists. Some rivals produce more natural sounding speech.

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How Secrets AI Compares To Alternatives

The AI companion market has four or five serious players, and each one leads in a different area.

On image quality, Candy.ai has historically held the crown for photorealism. The July 2026 Advanced mode upgrade closed most of that gap, and reference photo control now gives Secrets AI an edge on consistency.

On voice, specialists like Dondi.ai still produce richer audio. If voice is your primary use case, compare samples before committing.

On memory, this platform is at or near the top of the category. The Smart Mode retrieval assistant is a genuine architectural advantage rather than a marketing claim.

On pricing, the annual Premium plan is among the better deals available. Most rivals charge $12 to $20 monthly for comparable feature access.

On payment privacy, cryptocurrency support and virtual debit card acceptance put it ahead of platforms that require standard credit cards only.

On feature breadth, few competitors match the combination of group chats, personas, Time Travel, forking and group image generation.

The weakness relative to rivals is depth over very long relationships. Platforms built specifically around persistent narrative sometimes hold continuity better across many months.

My read is straightforward. If you want one platform that does chat, images, video and voice competently with strong memory, this is a top pick.

If you need best in class performance in exactly one area, a specialist may serve you better.

Who Should Use Secrets AI?

Not every AI tool fits every user, so here is the honest sorting.

You should try it if you want visual content alongside chat. The image pipeline is the strongest reason to choose this platform over a text only companion app.

You should try it if character consistency matters to you. Reference photos and dedicated character references solve a problem that frustrates users elsewhere.

You should try it if you write your own characters. The Character Studio, forking system and free first character make experimentation cheap.

You should try it if you value memory continuity. Companions that recall your job, your family and your preferences create a different experience than stateless chatbots.

You should try it if billing discretion matters. Crypto and virtual card support give you options most competitors do not offer.

Skip it if you only want free access. Twenty daily messages with no Moment purchases is not enough to enjoy the product.

Skip it if voice realism is your top requirement. Better specialists exist for that specific need.

Skip it if you need multi year narrative continuity. Long term consistency is good but not flawless.

Skip it if you are under 18. This is an adult platform and the content modes reflect that.

For most adult users curious about AI companionship, the annual Premium plan is the sensible entry point.

Tips To Get The Best Results

A few adjustments turn a mediocre experience into a good one.

Write Advanced prompts as natural scenes. The documentation is explicit about this. “Standing on a rooftop at sunset wearing a red dress, city skyline behind her” beats a list of comma separated tags.

Use comma separated tags in Premium mode instead. Keep each tag one to four words and put the most important ones first.

Give custom characters a full body avatar. Advanced mode uses that image as the generation reference, so a headshot limits what the model can preserve.

Set a dedicated reference photo in the Appearance tab. It is free, revertible, and controls which features stay consistent.

Test prompts at 1.5K before spending 100 Moments on 2K. Advanced generations are no longer refundable, so cheap iteration saves credits.

Use the Reuse Prompt button on images you liked. It copies the prompt into the editor for quick variations.

Audit your memory panel monthly. Delete duplicates, remove outdated facts and promote core details to HIGH.

Use OOC commands to steer roleplay instead of breaking character. Wrap instructions in parentheses and the AI adjusts without ruining the scene.

Switch to Paragraph mode for detailed replies. If the AI keeps sending short texts after switching, send the review instruction once to reset the pattern.

Buy top up Moments rather than upgrading tiers if you only need more credits. Top up Moments never expire.

Final Verdict On Secrets AI

After going through the documentation, the pricing structure and public user feedback, my verdict is positive with clear caveats.

Secrets AI does the two hardest things in this category well. Images look genuinely good, and companions actually remember you.

The 4 star Trustpilot average across roughly 200 reviews backs that up. Users consistently praise conversational flow and creativity.

The Moment economy is the part that requires attention. It gives you flexibility but also lets you overspend if you do not plan.

The free tier is disappointing and I will not pretend otherwise. It functions as a preview rather than a real option.

My recommendation: start with the annual Premium plan at $9.17 monthly. It removes message limits, includes 8,000 Moments and unlocks every core feature.

Move to Ultimate only if you want group chats, personas or proactive messaging specifically.

Skip it entirely if you need perfect voice realism or flawless continuity across years of conversation.

For everyone else looking for a capable, well documented AI companion platform with strong visuals and real memory, this earns a solid recommendation.

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Frequently Asked Questions

Is Secrets AI free to use?

Yes, partially. The free tier gives you 20 messages per day and access to all AI companions with basic memory. However, free accounts cannot purchase or receive Moments, which means images, videos, audio calls and custom characters are unavailable. Treat the free plan as a trial rather than a long term option.

How much does Secrets AI cost per month?

Premium costs $19.99 monthly or $9.17 monthly on the annual plan billed at $109.99 per year. Ultimate costs $39.99 monthly or $26.67 monthly on the annual plan billed at $319.99 per year. The annual Premium plan offers the best value for most users.

What are Moments and do I need them?

Moments are the credit system that powers paid features. Images cost 50 Moments, adult videos cost 600, audio calls cost 50 per minute and custom characters cost 500. Basic chatting does not require Moments. Premium includes 8,000 monthly and Ultimate includes 15,000.

Does Secrets AI remember previous conversations?

Yes. The memory system saves details automatically, ranks them by importance and pulls relevant context before each reply. Smart Mode searches your full history rather than just recent messages. Premium gets 4x memory access and Ultimate gets 6x, with correspondingly better recall.

Can I create my own AI character?

Yes. The Character Studio lets you define appearance, personality and avatar. Your first custom character is free and each additional one costs 500 Moments. You can also fork existing characters for 300 Moments if they are yours or 600 if they belong to another user.

How good is the image generation?

Very good. Advanced mode received a major model upgrade in July 2026 that improved sharpness, realism and prompt adherence. You can attach up to 5 reference photos to control likeness and style. Resolution options are 1.5K at 50 Moments and 2K at 100 Moments, with 4K listed as coming soon.

Can I cancel my subscription anytime?

Yes. Cancellation is available at any time and your access continues until the end of your current billing period. Unused Moments from a monthly grant convert to non expiring Top Up Moments if you upgrade mid cycle rather than being lost.

What payment methods does Secrets AI accept?

Credit cards excluding American Express, virtual debit cards and cryptocurrency with a $20 minimum. Prepaid 3 month and 12 month keys are available through third party marketplaces as an alternative method, though they do not auto renew and cannot extend an existing plan.

Is Secrets AI suitable for beginners?

Yes. The interface works like a standard messaging app and preset chat starters help you begin. Image presets for outfits, actions and scenes let you generate content without writing prompts. The public wiki documents every feature and cost clearly, which shortens the learning curve considerably.