Plain-English summary
Xero is a desktop app. Your projects, sessions, and journals stay on your machine. The API keys you paste live in the operating system keychain — we never receive them, and they aren't written in plain text on disk.
When an agent calls a model, the request goes from your machine straight to the provider (Anthropic, OpenAI, Google, OpenRouter, GitHub, Azure, Bedrock, Vertex, or local Ollama). We are not in the middle of those calls.