Looking for a Z.ai alternative (subscription, 5hr limits, exposed API key) — privacy concerns are holding me back.

A user is seeking an alternative to Z.ai due to privacy concerns regarding data handling by Chinese companies. They find Z.ai's coding plan appealing but are hesitant to use it with their Hermes agent, which would expose significant personal data. The user previously used OpenRouter but found it too expensive. They are looking for a subscription-based alternative with 5-hour limits, an exposed API key, and usage generosity comparable to Z.ai.