● Published 2026-10-17 · 6 min read

The True 30-Day Cost of AI Girlfriends (2026): DreamCoins, Moments, "EverAI" Bank Statements & Annual Billing Traps Audited

We audited the checkout flows and credit card statements of Ourdream, Candy, Secrets, Kindroid, and Nomi. Here is how to avoid the $119.88 upfront annual trap.

Executive Summary (Verified Oct 2026)

The biggest financial trap in the AI companion industry is the **"Two-Layer Pricing Funnel"**: Layer 1 lures you in with an advertised "$5.59/mo" or "$9.99/mo" price that actually charges $67.08 to $119.88 upfront for 12 months; Layer 2 rations your monthly media allowance (1,000 DreamCoins on Ourdream, 100 tokens on Candy, or Moments gems on Secrets) so that generating 5-second AI videos forces you to buy $9.99–$49.99 top-up packs within 8 days.

Average Real 30-Day Spend on Token-Based Visual Apps
$29.98 – $49.96
Base 1-month subscription ($12.99–$19.99) + 1 to 2 media token top-up packs

1. Complete Credit Card Billing Descriptor Table (What Prints on Your Statement)

If you share a credit card statement or want privacy from bank audits, here are the exact corporate billing descriptors we verified in October 2026:

// Verified Bank Statement Descriptors (Oct 2026)
Ourdream AI  → DREAM STUDIO       (Ourdream / Dream Studio)
Secrets AI   → S LABS INC.        (S Labs Inc., Delaware USA)
Candy AI     → EVERAI / CANDY.AI  (EverAI Limited, Malta)
Kindroid AI  → KINDROID.AI        (Kindroid Inc., Stripe Web)
Nomi AI      → NOMI.AI / GLIMPSE  (Glimpse AI Inc., Baltimore USA)

2. Token-Casino Apps vs. Flat-Rate Subscription Apps

If you generate custom NSFW photos and 5-second videos every night, expect to spend $29.98 to $39.97/month on Ourdream or Secrets (and always start with Ourdream’s 1,000-coin pool over Candy’s tiny 100-token pool). If you want zero token math and 100% predictable billing, stick to **Kindroid ($13.99/mo Web)** or **Nomi ($15.99/mo)**.

Interactive Instrument: Calculate Your Real 30-Day Spend

Simulate Monthly Token Burn On:
Monthly Burn: 3,048 tokens/coins (Included pool: 1,000)Pool depletes in 9.8 days → Requires +$29.97 top-up
Photos: 900 (30%)5s Videos: 1,548 (51%)Voice Audio: 600 (19%)
Real 30-Day Total: $49.96/mo

Frequently Asked Questions

Direct Verbatim Answers

What is EverAI or Dream Studio on my credit card statement?

EVERAI is the Malta-based parent company of Candy.ai, and DREAM STUDIO is the discreet billing descriptor used by Ourdream.ai.

Recommended Next Steps

Verified Portals & Audits