Xref.ai is a focused AI workspace for writing, chat, and image ideas.

Xref.ai is designed for people who move between research, notes, drafts, revisions, and publishing. The goal is to keep the creative loop compact: bring an idea or reference, choose a tool, generate a useful starting point, then refine it.

The product supports both credit-based AI usage and user-provided API keys, giving creators a simple path to get started and more control when they need it.

• Writing tools for drafts, rewrites, summaries, and simplification.
• AI chat for exploring ideas and saving useful exchanges.
• Image generation for visual concepts and creative prompts.
• Saved history so useful work remains available in your account.

• Clear tools instead of cluttered prompt boxes.
• Credit-based usage so costs stay visible.
• Account controls for saved content, model choice, and provider keys.
• Security patterns built around verified auth, rate limits, and guarded payments.