Pervert.Chat review
Pervert.Chat is a paid text service where adults message creators. Its user FAQ says browsing is free and that each creator sets their own rates in tokens.
One-time token packages
The FAQ describes one-time top-ups. Tokens can pay for messages, media or tips, with rates set by each creator. Kinky.live uses credits too, but it deducts them by the minute while a session is open. The FAQ says tokens have no expiry date. The terms say closing an account can mean losing the remaining balance.

Verification, complaints and account data
The terms describe manual identity and age checks for creators. The complaint policy separates billing and creator-conduct disputes from urgent reports about illegal or nonconsensual material.
Anabel’s take
I’d look up a creator’s message rate before buying tokens. I’d start with a balance I expected to use rather than counting on getting unused tokens back after closing the account.