Comparison

OnlyChatAI vs Substy

Substy is an AI chatting and CRM platform for OnlyFans, Fanvue and MYM agencies, operated by Subhome Tech Solutions FZCO in Dubai under French law. OnlyChatAI is the AI that replaces your chatters on OnlyFans and Telegram, with deeper customization and selling rules, run 100% AI by its own team. Both sell full AI chatting to agencies. Here is the side-by-side, each fact taken from public pages on a stated date.

OnlyChatAIOnlyChatAI
vs
SubstySubsty

Side by side, facts checked on the date shown under the table.

Feature
OnlyChatAI
Substy
Platforms
Platforms live today
OnlyFans + Telegram live, MYM announced
OnlyFans, Fanvue, MYM
Telegram
Live
Not documented
Pricing
Entry price
$20 + 10%
$0 + 15%
Full plan
$70 + 10%
$69 + 10% / $99 + 8.5%
Payment methods
Card, transfer, crypto
Not on its site; crypto credits per its terms
AI
Unlock ratioPaid media unlocked per 100 sent, as published by each vendor
43%
29.8%(its homepage image, Feb 2026)
Operating mode
100% AI, takeover any time
Full AI; Hybrid on Elite
Customization of the AI
Deep
3 tones, 3 styles
Custom strategies
Six strategies, your own instructions
Presets only
Selling engine
Selling mechanics
Documented, step by step
Partly documented
Team
CRM and follow-ups
Notes, nudges, per-script analytics
Full CRM
Trust
Scale shown publicly
$2M+/month, 800+ creators
$13.6M total, 700+ agencies
Public reviews
Trustpilot 2.9/5
Company
FGA Solutions, USA
Subhome Tech FZCO, Dubai
What the unlock ratio does to the money: 100 new subscribers a day

Same creator, same month, same media: 100 new subscribers a day (3,000 in the month), 2.5 paid media sent per subscriber on average over the month (7,500 sent), $10 average price per unlock, each tool at its published unlock ratio and its Pro plan, commissions applied on the net after OnlyFans' 20%. The bar is the gross revenue; the solid part is what the creator keeps.

OnlyChatAI, 43% unlock, Pro $20 + 10% of net$32,250 / month
Kept by the creator: $23,200OnlyChat fee and 10% of net: $2,600OnlyFans 20%: $6,450
Substy, 29.8% unlock, Pro $69 + 10% of net$22,350 / month
Kept by the creator: $16,023Substy fee and commission: $1,857OnlyFans 20%: $4,470

How to read it: OnlyChat unlocks 3,225 of the 7,500 media, $32,250 gross, $25,800 net after OnlyFans, and costs $2,600; the creator keeps $23,200, which is $8.60 of net revenue per new subscriber. Substy unlocks 2,235, $22,350 gross, $17,880 net, and costs $1,857; the creator keeps $16,023, $5.96 per new subscriber. The commission line is higher with OnlyChat because it sells more; the creator still keeps $7,177 more in the month. Limits: the ratios are not measured on the same base (OnlyChat: platform-wide, cumulative since launch; Substy: one month of its dashboard image, January 10 to February 9, 2026); Substy's commission is applied on the same net base as ours, the reading most favourable to it; 2.5 paid media per subscriber reflects a scripted funnel where many fans stop after the first or second media, and the $10 average price is taken from Substy's own dashboard image ($31,660 for 3,054 paid) and applied to everyone; this is an order of magnitude, not a forecast. Prices checked September 11, 2026.

Kept by the creator, OnlyChat fee and 10% of net, OnlyFans 20%, Kept by the creator, Substy fee and commission
The honest take

Substy has a free entry plan, a deeper CRM (fan classes, split inbox, mass DM, tracking links), Fanvue and MYM live today and six published case studies. If you run Fanvue or you want a CRM first, with preset tones and negotiation styles, it is a serious option. If you want Telegram with Stars and Droppfans links in the chat, your own strategies for negotiation, sexualisation, follow-ups and discovery instead of presets, a scripted funnel with media rules and price floors, payment by card, transfer or crypto, and a team that runs it 100% AI at a larger scale every day, OnlyChat. The unlock ratio says it all: Substy's own homepage screenshot shows a 29.8% unlock rate; OnlyChat runs at 43% (of 100 paid media sent, 43 unlocked). Our reading: at 29.8 unlocks out of 100 a human has to finish the sale; at 43 the AI does not need one.

Prices and features checked on substy.ai on September 11, 2026 (homepage, pricing, features, terms, case studies, the Substy page about OnlyChat AI); archived copies kept. If something is wrong, contact@only-chat.ai and we correct it. Who builds OnlyChatAI

Sources

Public pages the facts on this page were taken from, on the date stated above; archived copies kept.

Common questions

Take it to the next level with OnlyChat

Connect your OnlyFans or Telegram, load your scripts and your strategies, and let the AI sell on its own. $20 per creator, commission only when it sells.

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