Is B.AI Invite Code QW4Z3F Worth It? Claude, GPT and DeepSeek on One Account in Hong Kong: 10 Things to Know Before You Top Up

B.AI is an AI relay station that grew out of the crypto world. It doesn't make its own models; it puts around 70 text models from the GPT, Claude, Gemini, Grok, DeepSeek, Kimi, Qwen, GLM and MiniMax families into one chat box at chat.b.ai and one API key, and charges you from prepaid Credits. You can log in with a Web3 wallet signature or Google, and top up on the blockchain; its terms call it "a borderless, anonymous and financially autonomous ecosystem for AI Agents".

The terms say the platform is run by B.AI, with its main place of business in Panama; the Android app on Google Play is published by a company called Digital Times Technology Limited in Road Town, British Virgin Islands. The terms were last updated on 8 May 2026, follow Singapore law, and you need to be 16 or over, with a parent's OK if you're under 18. No Hong Kong regulator gets a mention; Credits are prepaid usage, not deposits, so there's no deposit protection. And don't mix it up with TheB.AI, which is a different service.

Anthropic's list of supported regions doesn't include Hong Kong and says flat out that "any country or region not listed is unsupported"; OpenAI's API list skips Hong Kong too and warns that using or offering it outside the list can get an account blocked or suspended; and Google's Gemini API doesn't count Hong Kong as an available region either. B.AI's availability docs only explain how to connect from mainland China and say nothing at all about Hong Kong.

B.AI's terms say any part of the service run by a third party follows that third party's terms, and the risk is yours. In plain English: use Claude or GPT through B.AI and the model makers' restrictions are still there, they can pull the plug without warning, and B.AI won't cover you. So don't load up a big balance, and don't run your whole business on it.

Sign up through our link and your account gets bound to QW4Z3F. Each account can only have one inviter, the link lasts two years, and you can't invite yourself. B.AI's invite rules give the invited person no reward; what a new account gets is the registration Credits B.AI hands new users (the docs don't say how many, so check your balance after logging in; they last 30 days) plus the top-up bonus below. One more thing: you need to verify a valid invite code before you can buy Plan Pro.

Straight up: QW4Z3F is our invite code. For those two years, B.AI pays us a rebate at its standard 1% of what you actually pay for eligible top-ups and subscriptions, in B.AI Coin that can only be swapped for Credits. Bonus amounts, discounts and refunded orders don't count, and the rebate comes from B.AI, not out of your balance.

Prices are in US dollars per million tokens, and US$1 is 1,000,000 Credits. Every Claude and GPT model we checked costs exactly the same as Anthropic's and OpenAI's official prices: Claude Sonnet 4.6 is US$3 in and US$15 out; Claude Opus 5.5 is US$4 and US$20; GPT-5.4 is US$2.50 and US$15; GPT-5 mini is US$0.25 and US$2. So the token price isn't any cheaper; the only saving is the top-up bonus.

Extra charges copy the model makers' own setup: cache writes on Claude and GPT-5.6 cost 25% more, cache reads are discounted, and web search on most GPT and Claude models is US$0.01 a go, US$0.014 on Gemini. Three models are on sale right now with no end date: DeepSeek-V4.1-Flash at 60% of the price since 4 October 2026, GLM-5.3-Flash at 70%, and Qwen3.8-Flash at 80% since 22 October.

You can pay with a credit card through Stripe, WeChat Pay, Alipay or UnionPay, or send crypto on networks like TRON, Ethereum, Solana, Base, Arbitrum, Polygon and Optimism. B.AI doesn't say whether the Hong Kong versions, AlipayHK and WeChat Pay HK, work, so check the payment page; if you pay in crypto, pick the right coin and network, because the terms say losses from a wrong amount or the wrong asset are on you. B.AI's FAQ says BNB payments get a 100% bonus and every other channel gets 50%, up to US$100 of bonus Credits per account in total.

Do the maths: put in US$20, about HK$157 at the European Central Bank reference rate for 23 October 2026 (US$1 = HK$7.844), add 50% and you've got 30,000,000 Credits, about HK$235 of usage, so roughly a third off the official price. But bonus and registration Credits expire 30 days after they're issued, and B.AI doesn't say whether it spends the bonus or your paid Credits first, so don't put in money you won't use within a month. Paying US dollars on a Hong Kong dollar credit card may add a foreign currency fee too.

Use the DeepSeek V4 models over the API between 09:00 and 12:00 or 14:00 and 18:00 Beijing time, Monday to Friday, and you're in peak hours, paying double the off-peak rate. Hong Kong shares Beijing's time zone, so that lands right on top of Hong Kong office hours; B.AI only exempts mainland China's statutory holidays, so Hong Kong-only public holidays are still charged at peak.

For example, running 1 million input tokens plus 200,000 output tokens through DeepSeek V4 Pro costs about US$2.11 (about HK$16.57) at peak and about US$1.06 (about HK$8.28) off-peak. Run batch jobs at night or at the weekend and you save half; chatting in B.AI Chat is always off-peak.

The web version lives at chat.b.ai, with chat.bankofai.io as a backup; Auto mode picks a model for each request without charging you for the pick, and the Usage page shows which model actually ran and what it cost. There's an Android app on Google Play and BAIclaw, a macOS desktop agent built on OpenClaw, but no iPhone app. Coders can grab a key at chat.b.ai/key and point it at https://api.b.ai/v1, which takes OpenAI Chat Completions, Responses and Anthropic Messages formats, so Claude Code and Codex both plug in; before you've topped up, premium models may throw a 403.

On the monthly plans, Plan Pro is US$200 a month (about HK$1,569) for roughly 50 to 500 messages per rolling 12 hours, and you need to verify a valid invite code before buying; Plan Max is US$2,000 a month for roughly 500 to 5,000 messages, plus early access to beta models and dedicated support. When the allowance runs out, it eats into your top-up Credits. Message counts depend on how busy the system is, so unless you already spend way over US$200 a month on the API, don't bother.

The terms give B.AI a permanent, irrevocable, worldwide licence over your prompts and outputs, and spell out that it can log and store your prompts, keep them with metadata for debugging and tuning, and even "license or sell or transfer" user content "in an anonymized form". The privacy policy says prompts are handled anonymously and aren't linked to your email or wallet.

Your prompts also go to the model makers, and some of them may train on them under their own terms. Pay by credit card or log in with Google and those providers know who you are anyway, so "anonymous" only goes so far. Client data, passwords, personal details and anything under an NDA: never type them in. To see or delete your personal data, email [email protected].

The terms say all Credit sales are final, with no refunds. B.AI can suspend or close your account at any time for any reason, and if it catches you breaking the rules, like running several accounts to dodge usage limits, it can void your Credits. If it closes your account for something other than a rule break, the leftover Credits go back to the crypto wallet you registered with, aiming for within 30 days; the terms don't say what happens if you signed up with Google.

The most B.AI will pay out is what you paid in the past three months or US$100, whichever is bigger, and disputes go to arbitration in Singapore under Singapore International Arbitration Centre rules, which makes no sense for small sums. If you topped up by credit card, your most practical move when things go wrong is to raise a transaction dispute with your card's bank. To close your account, use up your Credits first, then email [email protected].

Checked on 24 October 2026: B.AI's Android app had 500+ downloads on Google Play and too few ratings to show a score; the listing says the app collects and shares no data. B.AI has no iPhone app and no Trustpilot page, so there's no public rating worth leaning on yet.

Look at what B.AI's FAQ answers and you can see where users get stuck: being charged for a request that returned nothing (hidden reasoning tokens still cost money), a missing top-up bonus (usually because the US$100 cap has been hit), mystery models on the bill (a tool calling other models by itself, or a key shared with someone), similar requests costing wildly different amounts, and cache hits that come and go. B.AI also warns you to watch out for fake sites and only log in and top up at chat.b.ai or chat.bankofai.io.

Give it a go: if you often compare or switch between several models in one place, mostly code or do non-confidential work, use up every top-up within a month, and get that these models have no official support in Hong Kong. The first US$200 (about HK$1,569) of credit card top-ups is the sweet spot; after that it's the same as official prices.

Give it a miss: if you handle client data or confidential work, need refunds or a local place to complain, or want to lean on one model to keep a business running long term. For that kind of use, B.AI's privacy terms and the risk of supply being cut are hard to live with.