- €14.99/mo (≈$16.74), 100 credits a month included; 100 extra credits for €79.99 (≈$89.31)
- Hand-written adult scenarios with a beginning and an end, plus a new scenario every week
- Scenario content is included in the subscription; you pay credits only to generate more
- Pre-generated top-quality content at 15 credits each
- Long chat memory that stays coherent after several thousand messages
- Your own generated content: 4 credits per image, from 30 credits per video
- NaughtiAI OÜ, Estonia (EU)
- Watch out: credits are not refunded

NSFW AI Roleplay (18+): Sorted by Age Checks
By Grauer Prophet · Checked 11 Nov 2026 · 18+Seven adult roleplay apps compared on age checks, free adult content, banned content and data. Policy first, adults 18+ only.
Strongest age checks first (naughti.ai first)
- 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
- 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
- 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
- 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)
- 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
- 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
Answer first (adults 18+ only; checked 11 November 2026)
- Strongest age check: Joi AI (VerifyMyAge: email, face estimate or ID plus selfie).
- Most free adult content: GoLove AI, whose free chat includes standard photos.
- EU privacy law: naughti.ai and Xotic AI are Estonian companies.
- Banned on every app: minors in any form, real identifiable people, illegal material.
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.
What to check before NSFW AI roleplay
Adult roleplay apps differ less in what they allow than in how they protect you and others. Before you sign up, check four things:
- Age assurance. A click-through only, or a real check by email, face estimate or ID?
- Rules. Is the banned list published? See uncensored AI roleplay.
- Data. Are chats used to train models, and how long are they kept?
- Billing. Which company name appears on your statement, and are refunds possible?
NSFW roleplay apps sorted by age checks
| US age check | Stronger check | Free adult content | Data note | |
|---|---|---|---|---|
| naughti.ai | 18+ attestation | Not stated | No free tier | EU company, GDPR |
| 1Joi AI | VerifyMyAge for adult features | Email, face estimate, or ID + selfie | 6 lifetime images | Chats used to develop AI; ad pixels |
| 2Nectar AI | Click-through; NSFW for verified 18+ | go.cam (UK) | Limited images | Policy silent on AI training |
| 3Xotic AI | 18+ gate + card check when paying | Facia face or ID (UK) | 5 messages, no video | EU company (Estonia) |
| 4OurDream AI | Attestation | Go.cam or AgeVerif (UK, AU) | 5 messages per character (reported) | May train models on data |
| 5Secrets AI | Click-through + email | No ID for standard use | Chat only, no media | Policy not readable |
| 6GoLove AI | Click-through | Method not stated | Standard photos in free chat | Data kept about 6 years |
Ranked by how strongly each app checks age before adult content, from its own pages. Checked 11 November 2026. Adults 18+ only.
In practice: a stronger age check is a good sign for how seriously an app takes its rules, but it also means sharing more with a verification provider. Joi AI says it keeps no copies of ID documents; OurDream AI says its provider returns pass or fail only.
App by app
naughti.ai
Adults confirm they are 18+, and the terms ban minors in any form, real people, scenes without consent and relatives. Stories are hand-written adult scenarios with a beginning and an end, so the tone is set before the first message. NaughtiAI OÜ is an Estonian company under GDPR. €14.99/mo (≈$16.74), no free tier; credits are not refunded.
1. Joi AI
Adult features need age confirmation and, where required, verification through VerifyMyAge. Reported price $13.99 a month plus tax; explicit messages, photos and videos also cost Neurons. Refunds are limited to a 14-day window for specific cases.
2. Nectar AI
NSFW mode is only for verified users aged 18 and over; in the US that is a click-through, in the UK go.cam. The FAQ lists its banned categories in detail.
3. Xotic AI
An 18+ gate and terms declaration, plus a card-based adult check when you pay; UK visitors go through Facia. Free accounts get 5 messages and no video generation.
4. OurDream AI
An 18+ attestation everywhere, and Go.cam or AgeVerif where the law requires it, named as the UK and Australia. Its privacy policy allows training on user data.
5. Secrets AI
A “Yes, I am 18+” click-through and an email address; no ID for standard use. Free users get 20 messages a day without images or video. Charges show as S LABS INC.
6. GoLove AI
A click-through 18+ gate with no verification method stated. Free chat includes standard photos; NSFW images and video are advertised. Data is kept for about six years after account closure.
Keep it safe
- Never use real people’s names, photos or likenesses.
- Use a separate email and check the statement name before paying.
- Read the refund rule: most adult apps refund little or nothing.
- If a scene drifts somewhere you do not want, end it; you can always start a new one.
More: free AI roleplay ranking and AI roleplay with no sign up.
Sources I used
I read these public pages between 9 and 11 November 2026.
- naughti.ai Terms of Service
- naughti.ai Privacy Policy
- Joi help: age verification
- Joi Terms (sections 2, 3 and 5)
- Joi refund policy
- Nectar AI FAQ (free plan, NSFW mode, banned content)
- Xotic AI FAQ (25 Oct 2026)
- Xotic AI KYC policy (21 Oct 2026)
- OurDream AI Safety Center: age verification
- OurDream AI Privacy Policy (26 Aug 2026)
- Secrets AI wiki: subscription tiers and limits
- GoLove AI homepage
- GoLove AI Terms of Service (sections 1, 5, 7, 9, 10)
- ECB reference rate via Frankfurter: 1 EUR = 1.1165 USD (6 Nov 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.
NSFW AI roleplay: questions
Which NSFW AI roleplay app checks age most seriously?
Joi AI names its provider, VerifyMyAge, and three methods: an email check, a face age estimate, or ID plus selfie, and says it keeps no copies of ID documents. Nectar AI, Xotic AI and OurDream AI add face or ID checks for UK visitors; in the US most use a click-through.
Is there free NSFW AI roleplay?
Partly. GoLove AI advertises NSFW content and its free chat includes standard photos. Secrets AI’s free tier is chat only, with no images or video, and Xotic AI’s free account has no video generation. Most adult media sits behind a plan or credits.
Is NSFW AI roleplay private?
Only as private as each policy allows. OurDream AI says it may use data to train models, Joi AI uses chats to develop its AI and runs ad pixels, and GoLove AI keeps data for about six years after account closure. naughti.ai is an EU company under GDPR.
What NSFW roleplay is never allowed?
Anything involving minors, in any form, on every app here. Real, identifiable people and deepfakes are banned too, and most apps ban non-consensual scenarios and sexual content between relatives. The full side-by-side list is on the uncensored AI roleplay page.
Will an NSFW AI app show up on my bank statement?
Usually under the company name rather than the app. Secrets AI charges appear as S LABS INC and Joi AI as joi.com, per their own pages. naughti.ai bills in euros as NaughtiAI OÜ, so a US card also shows a currency conversion.
Can I keep NSFW roleplay tasteful?
Yes. Most apps let you set the tone in the opening message or in persona and memory notes, and story-led apps start from a written scene. naughti.ai’s hand-written scenarios set mood and pacing before the chat begins, which keeps scenes from turning repetitive.
More picks by criteria

Uncensored AI roleplay
What each app’s rules allow adults, and what is banned everywhere.

Free AI roleplay picks
Seven apps ranked by the free allowance each one publishes.

AI roleplay with no sign up
Which apps really let you chat without an account (almost none).
Ask AI about this page
Grauer Prophet
Editor, Top AI Roleplay
I edit Top AI Roleplay. I sort adult AI roleplay apps by the criteria people search for: free limits, sign-up, message caps and content rules, using each vendor’s plan pages, FAQs and terms. I date every figure, mark third-party numbers as reported, and never describe a purchase, test or chat I did not have.

Try the Top AI Roleplay Pick
Done with free trials that stop after five messages? naughti.ai puts you inside hand-written adult stories with a beginning and an end, adds a new one every week, and keeps the chat coherent over thousands of messages.
One monthly plan, no free tier. Adults 18+ only; all characters are AI and fictional.