Custom companions plus a huge community library, images, video, voice calls
Unlimited messages and 1,000 dreamcoins a month on paid plans
Free: 5 messages per character and 55 coins once (reported)
Dream Studio USA, Inc. (Delaware)
Watch out: calls cost 50 coins a minute, video 100 coins per 5 seconds (reported)
#3
Companion builder with video calls
Companion builder, images, video, voice chat and video calls
Free plan: about 15 messages and 10 images a day (reported)
Credits pay for media on top of the plan
Nectar AI, LLC (Delaware) with a UK entity
Watch out: fees are non-refundable and official prices are not public
#4
Seven video models and audio calls
Companion chat, custom characters, adult video on 7 models, audio calls
Premium includes 8,000 Moments; a 5-second video costs 320 to 1,200
Free: 20 messages a day, no media
Secret Labs Inc. (Delaware); Trustpilot 4.5 from 324 reviews
Watch out: no refund for the current period
#5
NOVA image-to-video with sound
Design a companion or pick a premade one; images, voice and video calls
NOVA image-to-video clips with sound
Ultimate includes 1,000 XOT a month; an image costs 50 XOT
Xotic Tech OÜ, Estonia; Trustpilot 4.8 from 60 reviews
Watch out: 5 free messages in total, subscriptions non-refundable
#6
Live video calls and Joi Originals
Premade characters, builder, images, video, live video calls
Neurons charged per explicit message, photo or video, even on Premium
Age check by VerifyMyAge (email, face estimate or ID)
Novi Limited, Cyprus; Trustpilot 3.9 from 265 reviews
Watch out: pay-per-view on top of the plan
#7
350+ premade characters, free text chat
350+ premade characters, images, AI video and a live video mode
Core text chat free with unlimited messages (homepage)
Refund within 24 hours if no more than 20 credits are used
404 Intelligence LTD, Cyprus; Trustpilot 4.3 from 29 reviews
Watch out: Premium prices are not public, custom creator not live
In short
Character roleplay works best when the character is specific: a goal, a voice and a few firm facts.
Premade characters start faster; built ones fit you better; libraries give endless choice of uneven quality.
For premade characters inside a written plot: naughti.ai. For building: OurDream AI, Nectar AI or Secrets AI.
Disclosure: this site is made by the naughti.ai team. Links to Nectar AI, Secrets AI, Joi AI, OurDream AI, Xotic AI and GoLove AI are affiliate links: this site may earn a commission if you sign up, at no extra cost to you. Every price comes from the vendor’s own page or a named source, checked 11 November 2026. Adults 18+ only. All characters are AI and fictional.
Which kind of AI character suits you?
Which kind of character do you want?
How do the apps handle characters?
Premade
Build your own
Community library
Several in one scene
naughti.ai
Inside written scenarios
No
No
Some scenarios
OurDream AI
Yes
Realistic or anime
Over 11M (vendor)
Fusion video
Nectar AI
Some
Yes
No
Not stated
Secrets AI
Yes
First free, then 500 Moments
Scenarios
2-3 on Ultimate
Xotic AI
Yes
Yes
No
Up to 10 on Elite
Joi AI
Joi Originals
Yes
No
Not stated
GoLove AI
350+
Announced; photo tool alpha
No
Scenarios, up to 10
Checked 11 November 2026. Library size is the vendor's own figure.
In practice: if you have never written a character card, start with a premade one, note what you like, then build your own.
Premade characters
Premade characters come with a greeting, personality and settings the app has already tuned. On naughti.ai they live inside hand-written scenarios, so the character always has a reason to be in the scene. GoLove AI offers 350+ premade characters; Joi AI has its Joi Originals.
Characters you build
Builders ask for looks, personality traits, backstory and how the character speaks. OurDream AI offers realistic or anime styles; Secrets AI lets you create one free character, then charges 500 Moments for each extra one; Xotic AI and Nectar AI include builders on their paid plans.
How to write a character that holds up:
One-line hook: who they are and what they want right now.
Three firm facts: job, relationship to you, one habit.
Voice: short or long sentences, formal or casual, a phrase they repeat.
Boundaries: what they will and will not do, in plain words.
Opening scene: where you meet and what just happened.
Community libraries
Libraries hold cards other users made. OurDream AI is the only app here built around one: it says its library has over 11 million characters, in realistic or anime style. Secrets AI’s Scenarios work in a similar way for whole situations rather than single characters. Quality varies, so read a card’s greeting before you invest a long session, and keep a copy of the details you like for your own build.
Several characters in one scene
Group scenes are harder for a model, because it has to keep several voices apart. Xotic AI allows up to 10 characters in a group chat on Elite; GoLove AI’s Scenarios hold up to 10; Secrets AI allows 2 or 3 companions on Ultimate. For the models and memory behind each app, see best AI model for roleplay; for chat technique, AI roleplay chat.
Sources I used
I read these public pages between 9 and 11 November 2026.
Adults 18+ only. All characters are AI and fictional. Links to Nectar AI, Secrets AI, Joi AI, OurDream AI, Xotic AI and GoLove AI are affiliate links.
AI character roleplay: FAQ
What is AI character roleplay?
It is roleplay where the AI plays a defined character: a name, personality, backstory and way of speaking. You talk to that character or act out scenes with them. The character can be premade by the app, built by you, or picked from cards other users share.
Is it better to build a character or use a premade one?
Building gives control over every trait, but you also write the setup and fix drift yourself. Premade characters come with tested greetings and settings, so the first scene works faster. Many people start premade and build their own once they know what they want.
Which AI roleplay app has the most characters?
OurDream AI, by its own claim: over 11 million characters in its community library. GoLove AI lists 350+ premade characters, and Joi AI has its own Joi Originals. The other apps focus on characters you build rather than on a shared library.
Can I keep a character consistent over a long story?
Partly. Write a short, specific description, keep a memory note with key facts, and restate the character’s goal when replies drift. Apps with lorebooks or persona fields, such as Secrets AI, store that information so it is read every turn instead of being forgotten.
Are AI characters on these apps real people?
No. Every character on the apps compared here is AI and fictional, and their terms ban real, identifiable people and deepfakes. All of them are for adults 18+ only and ban minors in any form, including in roleplay.
Can I make a character from photos?
GoLove AI shows a create-from-images tool for its top tier marked alpha, turning up to 5 images into a character. Most builders instead use sliders and text fields for looks. Uploading photos of real people is banned on these apps.
More roleplay guides
Best AI roleplay chats
Seven roleplay apps compared on memory, characters, free limits and price.
I edit Best AI Roleplay. I compare AI roleplay chats for adults on what each app publishes: plan pages, help centres, terms, privacy policies and app-store listings, plus named third-party reviews where a vendor is silent. I date every figure, mark third-party numbers as reported, and never describe a purchase, test or conversation I did not have.
Try the Best AI Roleplay Chat
Step into a story, not a blank chat box. Hand-written adult scenarios with a beginning and an end, a new one every week, and chat memory that keeps up over thousands of messages.
Adults 18+ only; all characters are AI and fictional.
