No paywall, all sites i can find require sign up. I assume you guys know where to go.
You want Perchance.You can make characters out of AI images here: https://perchance.org/ai-text-to-image-generatorAnd you can chat with them here: https://perchance.org/ai-character-chat?char=assistantYou can export the chats so you can return where you left off. There’s even an image generator for the chats but it’s meh. You can also build characters out of links to fictional or real people. Open source and people make their own shit all the time,
