Moments, Neurons, Coins and Gems: what a credit is actually worth

A Joi AI Premium card grants you Coins. The balance on screen counts Neurons. Nothing on the site says how one becomes the other.

That is not a naming quirk, it is a pricing problem. Every platform in this category runs an internal currency, and the currency is where the money actually goes — we set out that mechanism in full when we mapped what these products cost. What that guide did not do, because nobody had, is the boring next step: take the published pack prices and work out what one unit is worth in real money.

So we did it on all nineteen platforms we rank. On twelve we could. On seven we could not, and the reasons are not the same one.

A currency is not a price until someone publishes a pack

An internal currency has exactly one honest exchange rate: the cheapest way to buy more of it. If a platform sells 100 Coins for $9.99, a Coin is worth ten cents, and a twenty-Coin video costs two dollars. That number is not on any page — it is arithmetic — but it is the only figure that lets you compare two products.

Without a published pack price, the currency is uncountable. You can still see that a video costs 90 Chips, but 90 Chips of what? The number floats. And a floating number is the point: a currency you cannot convert is a price you cannot compare.

Three things get in the way of that arithmetic, and we found all three in the corpus. A platform can decline to publish a pack price, which stops the conversion outright. It can grant one currency and charge in another, which stops it just as effectively. Or it can publish a ladder where buying more costs more per unit, which does not stop the conversion but turns the answer into a range.

What one unit costs, platform by platform

These are the twelve platforms whose pack prices we were able to read. The unit costs are ours, not theirs: we divided the pack price by the number of units, at the cheapest and the dearest rung of each ladder.

Pack prices read on each platform’s own top-up screen between 13 and 21 August 2026, in the currency each one charged us, and not converted between currencies. Every unit cost in this table is our arithmetic — pack price divided by units — not a figure any platform publishes. No pack was purchased on any platform, so tax, refundability, expiry and whether a purchased balance survives an ended subscription are not established. Rows are ordered by the size of the gap, which is the only thing comparable across different currencies.

Read the last column rather than the first two. The absolute prices cannot be compared — a Star and a Gem buy different things — but the spread inside a single ladder is comparable, and it is large. On six of the twelve, the same action costs more than twice as much depending only on which pack you happened to buy. On GoLove and Promptchan it is more than three times.

This is ordinary volume pricing and there is nothing improper about it. It is worth knowing anyway, because the small pack at the top of the list is the one you reach for when a balance runs out mid-conversation, and it is usually the one priced worst.

The seven we could not price, and whose gap that is

On seven platforms we could not turn the currency into money. Lumping them together would be unfair, because the reasons are not the same and only some of them are the platform’s doing.

One platform does not publish it. Kupid AI‘s public pages did not disclose coin-pack sizes or prices at all. Its terms are unusually explicit about what coins are — no monetary value, not transferable, not redeemable, licensed rather than sold — and simultaneously silent on what they cost. Four coins for an image and 120 for a video are therefore numbers we can report and cannot price.

One puts the price behind the subscription. Lovescape‘s own guide says Chips can be bought only by active subscribers. The pack price is not hidden exactly, but it is unreachable until after you have paid — which means it cannot inform the decision to pay.

On five, the gap is ours. We did not open the top-up screen on Candy AI, FLIRTcam.AI, Get Harder, Secrets.ai or Xtease. Their action costs are documented — Secrets.ai shows 50 Moments for an image and 1,200 for a five-second video before you commit, which is better disclosure than most — but without a pack price we will not invent a cash figure. It is marked NT in each review and it stays NT here.

Xtease deserves a specific note, because the shortcut was available and we declined it. It shares an operator and an interface with Lovescape, so importing Lovescape’s Chip rules would have produced a clean-looking table. Two products from one company are still two products, and the protocol does not allow that substitution.

Three platforms grant one currency and charge in another

This is the failure that makes a subscription impossible to evaluate, and it is not rare.

Joi AI. Premium cards grant Coins. The balance, the top-up modal and the actions themselves count Neurons. We found no first-party conversion between the two. A Premium plan advertising a number of Coins therefore cannot be translated into a number of images, or into a cost per message, by anyone — including us. Joi also carries a second contradiction on top: the live modal said a romantic message costs 2 Neurons for non-Premium users, while its June terms say 4.

DarLink AI. The plan page allocates Coins; the media costs and the purchase page are denominated in Tokens. The purchase page adds that Tokens cover images, videos and character interaction, while the plans list message quotas separately. No public reconciliation of the two units exists. If they happen to run one-for-one, the pack rates imply roughly $0.16 to $0.20 for a two-token image — which is a conditional estimate, not a price.

Dreamz.ai. The pricing page says Gems; the interface said coins. We kept both labels rather than assume they are interchangeable. Dreamz is also the one platform where the per-action costs exist in the site’s own payload but appear on no visible tariff page and in no confirmation screen before the balance moves.

The common thread is worth naming. In each case the currency you are sold and the currency you spend carry different names, and the bridge between them is not published. That converts a plan card from a price into a suggestion.

The ladder does not always go down

Everyone assumes the big pack is the better deal. On two of the nineteen that assumption fails, and it fails in two different ways.

GoLove AI‘s Star packs, read on the live page on 21 August 2026. Prices per Star are our arithmetic, rounded to the cent. No pack was purchased.

Buying 600 Stars costs more per Star than buying 500, and the 1,000 and 1,500 rungs are also dearer per unit than the 500. Spending €51.99 gets you a better rate than spending €157.99. There is no badge on the page saying so.

DarLink AI fails the other way, and more quietly: its 350-token pack costs essentially the same per token as the 100-token pack — 10.00¢ against 9.99¢ — while carrying a “Save 20%” badge. The saving is measured against a crossed-out reference price the page does not explain. Compare the amount and the unit cost, never the badge.

Kindroid meters two different things at once

Kindroid is the outlier and it earns a section, because it is the only platform that runs two separate balances on purpose and documents both.

It runs two independent meters. Selfie credits behave like everyone else’s currency: one for an image, 1.5 for two people, four to animate an avatar, sold at roughly ten cents each. Audio credits are billed per spoken character — one credit per character on the V2 voice, 1.5 on V3 — with a live call adding 400 credits for every completed minute and a live-avatar video adding 2,000 or 4,000 a minute on top.

That produces genuinely small numbers: about $0.024 for a thousand spoken characters, and about a cent a minute for the call surcharge. It also means the subscription price does not describe every cost, and that the two balances cannot be traded against each other. Kindroid says all of this plainly on its own pages, which is why it scores well on this criterion despite being the most complicated system in the category. Complexity that is documented is not the same problem as simplicity that is not.

Where the pricing page and the terms disagree about expiry

A credit’s value also depends on how long it lasts, and this is where first-party documents contradict each other most often.

DONDI is the clearest case: its pricing and help copy say purchased tokens never expire, while its terms say unused tokens expire at the end of the applicable subscription period. Both statements are published by the same company. Its pack interface calls sales final; its terms allow a request within 24 hours if the tokens are unused.

Kupid AI is the opposite — unusually precise, and unusually strict. Subscription, recurring, free-trial, promotional and gift coins all expire six months after they are credited. Directly purchased packs do not expire. The earliest-expiring balance is spent first, and expired coins are not refunded. Every one of those rules is written down, which is more than most of the market manages.

GoLove AI documents that subscription Stars become unusable at the end of the term after cancellation, with no rollover and no refund. Lovescape says purchased Chips do not expire and are non-refundable. Kindroid splits the difference: complimentary audio credits reset on the first of the month and do not roll over, while paid ones carry over.

The pattern across all of them is consistent enough to be a rule: what you buy tends to last, what you are given tends to expire. Which means the monthly grant on a plan card is closer to a use-it-or-lose-it allowance than to a balance you own.

Four questions a plan card should answer, and usually doesn’t

What does one unit cost at the worst rung of the ladder? Not the best one. That is the rate you will pay when a balance runs out mid-conversation, and on one platform in this corpus the worst rung is not the smallest pack.

Is the currency I am granted the currency I spend? On three of nineteen it is not, and on those three the plan card cannot be converted into anything at all.

Does the monthly grant roll over? On every platform in this corpus that documents the answer, no. Most do not document it at all, so assume the grant dies at the end of the term unless a page says otherwise.

What happens to a purchased balance if I cancel? The least documented question in the category, and the one that decides whether a top-up is a purchase or a rental.

Every figure on this page came off a first-party screen, and none of them required a purchase to read — which is exactly why the missing ones are missing. The protocol behind the reading is published in full. The per-action costs that sit underneath these unit prices are in our guide to what an AI companion costs, and the subscription figures they attach to are in the gap between the advertised price and the billed one.

⚠ This guide compares published credit-pack prices and contains no affiliate links. The reviews it links to do: if you click through and subscribe, AI Companion Atlas may earn a commission, at no extra cost to you. Every unit cost here is our own arithmetic from prices read between 13 and 21 August 2026 — pack ladders change without notice, so check the current top-up screen before you buy.