Can you pay for ChatGPT or Claude with Monero? Not directly: the official ChatGPT and Claude subscriptions are billed by card or app store. But several AI services that accept Monero give you the same models, including GPT, Claude and Gemini, with no subscription, often with no account and no email. You top up a small balance in XMR and pay only for what you use. The best known are NanoGPT and PayPerQ.
“AI” and “Claude” are among the most searched words on Monerica, so this guide explains how these services work, what they can and cannot hide, and which ones are listed and Verified in the Monerica AI services category.
Disclosure: some links on this page are Monerica affiliate links. If you buy through them, Monerica earns a commission at no extra cost to you, which helps keep the directory running.
How paying for AI with Monero works
The big AI labs sell access to their models two ways: monthly subscriptions for their own chat apps, and pay-per-token API access for developers. The services below buy API access and resell it to you through their own chat app and API. That has three practical effects:
- You pay per use instead of monthly. A short question costs cents; you never pay for a month you didn’t use.
- One balance covers many models. You can switch between GPT, Claude, Gemini, DeepSeek and open models in the same window.
- Payment and identity are separated. Because they accept Monero and many need no email, the service doesn’t learn your name or card, and the model provider sees the reseller rather than you.
AI services that accept Monero
All of these are Verified listings on Monerica when we checked on November 13, 2026. Features change often, so check the provider’s site and the Monerica profile (reviews, status) before you top up.
| Service | Best for | Account | Billing |
|---|---|---|---|
| NanoGPT | The widest choice of models, plus coding tools | Not needed to start | Pay as you go |
| PayPerQ | A polished chat app with image, video and voice tools | Not needed (optional passkey login, no email) | Pay per query |
| Refuseless | Uncensored (abliterated) open models over an API | See provider | Prepaid |
| Axon | One key for many models on a monthly plan | Not needed (per its listing) | Monthly |
| nullsink | Prepaid key for selected Anthropic and OpenAI models | Not needed (per its listing) | Prepaid |
NanoGPT: every model in one place
NanoGPT’s site lists more than 1,200 text, image and video models, including ChatGPT, Claude and Gemini models, and adds new ones as soon as they launch. Your first chat is free and needs no account; after that you pay as you go from a prepaid balance. Chats are kept on your device by default, and NanoGPT says it never trains on them. Developers get an OpenAI-compatible API, and the same balance works inside coding tools such as Claude Code, Cursor and Cline. We tested it in our NanoGPT review. NanoGPT on Monerica →
PayPerQ: pay per question, no subscription
PayPerQ gives you hundreds of models from OpenAI, Anthropic, Google, Mistral, DeepSeek and others in a browser app, and lets you switch model with one click. No signup is required; if you want your chats on more than one device, you can sign up with a passkey instead of an email, and chats are encrypted in your browser. PayPerQ says the average user spends about 2 cents per query and you can top up as little as 10 cents. Beyond chat it has image, video, music and voice tools, document summaries, and an OpenAI-compatible API. Read our PayPerQ review. PayPerQ on Monerica →
Refuseless: uncensored models over an API
Refuseless serves “abliterated” open models, versions with the refusal behavior removed, through an OpenAI-compatible API, and its Monerica listing says it runs with zero data retention. It is aimed at developers and people who keep hitting refusals on mainstream models; you are responsible for how you use it. Refuseless on Monerica →
Other Verified options
Axon sells one key for many models (Claude, GPT, GLM, DeepSeek and others) on a monthly plan with no account, according to its listing. nullsink sells prepaid bearer keys for selected Anthropic, OpenAI and Tinfoil models without an account. The full, current list, with reviews and status, is in the AI services category.
How to pay for AI with Monero, step by step
- Get some XMR. If you don’t have any yet, see how to buy Monero. A few dollars is enough to start.
- Open the service in a private window (or Tor Browser where the service allows it) and skip any optional sign-up you don’t need.
- Top up a small balance with Monero. Send the exact amount to the address shown and wait for the confirmations the checkout asks for.
- Pick a model and start chatting. Cheaper, smaller models are fine for everyday questions; save the large ones for hard problems.
- Save your access key if the service gives you one instead of an account: it is the only way back to your balance.
What paying with Monero does and does not hide
Paying with Monero keeps your name, card and bank out of the picture, and choosing a service with no account keeps your email out too. It does not make your prompts private: what you type is processed by the reseller and by the company that runs the model. Treat every prompt as something a third party can read:
- Don’t paste passwords, private keys, seed phrases or documents with your name on them.
- Prefer services that keep chat history on your device or say they don’t store prompts, and read their privacy page.
- For the most sensitive work, run an open model yourself. Our guide to renting a GPU server with Monero covers hardware you can pay for privately.
Frequently asked questions
Can I buy a ChatGPT Plus or Claude Pro subscription with Monero?
Not from OpenAI or Anthropic directly. The practical route is a service like NanoGPT or PayPerQ that accepts XMR and gives you the same models per use.
Is pay-per-use cheaper than a subscription?
For light and medium use, usually yes, because you pay cents per question instead of a fixed monthly fee. Heavy daily use of the largest models can cost more than a subscription, so watch your balance for the first week.
Do I need an account?
NanoGPT and PayPerQ both let you start without one. Some services issue an access key instead of an account; keep it safe.
Can I use these from code or other apps?
Yes. NanoGPT, PayPerQ and Refuseless all offer OpenAI-compatible APIs, so most apps that let you set a custom API endpoint and key will work with them.
