> For the complete documentation index, see [llms.txt](https://replai-1.gitbook.io/replai-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://replai-1.gitbook.io/replai-docs/ai-and-models/ai-provider-options.md).

# AI provider options

## AI provider options

Replai supports two AI billing paths.

You can use **bring your own key** or a **managed wallet**.

### Bring your own key

BYOK connects your own provider account to each assistant.

Your provider bills model usage directly to you.

Replai does not add markup to that usage.

### Managed wallet

Managed wallet uses included credits and top-ups inside Replai.

It keeps AI usage billing in one place.

### Which option should you choose?

* Choose **BYOK** when you want direct provider billing.
* Choose **managed wallet** when you want included credits and Replai-side top-ups.

### Related links

* [Bring your own key](/replai-docs/ai-and-models/bring-your-own-key.md)
* [Managed wallet & credits](/replai-docs/ai-and-models/managed-wallet-and-credits.md)
* [Providers](/replai-docs/ai-and-models/providers.md)


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