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ProductJune 5, 2026 · 4 min read
By the Talko AI team

Why we let you bring your own AI key

Most platforms bundle AI into an opaque per-message fee. It feels simple until volume grows and the bill becomes impossible to predict — or you're stuck on a model you didn't choose.

We took the opposite approach. You add your own Gemini, OpenAI or Anthropic key, and Talko AI uses it for your replies. Usage is billed directly to your provider account, so you see exactly what you spend and can pick the model that fits your budget and quality bar.

It also means no lock-in. Switch models or providers whenever you like — your flows, knowledge base and inbox stay exactly the same. Your key is encrypted at rest and never leaves our vault.

Who writes this

Talko AI

WhatsApp, Instagram & Messenger automation

Talko AI builds the messaging platform behind this site, which means working against the WhatsApp Business Platform, Instagram and Messenger APIs directly — and reading Meta's policy and pricing changes the week they ship rather than after they bite.

Ready to transform your customer conversations?

  • Connect a number and go live in under an hour
  • Bring your own AI key — predictable, transparent costs