How about a cloud provider and then taking a open model to that? Also difficult to find, but it's better chance... Hetzner comes to mind. Then you may self-host ollama and some gateway to monitor token usage.
Even if it came to API key on a asian or american company, self host makes sense to me to relax on the lock in (e.g. Bifrost) and have some management dashboard. There's a growing ecosystem of self-hosted tools, the lates I saw was experientiallabs.ai that was aimed to save costs.
(6I'm on a similar track tho I am just a 1-man army with lended over pro plans (no apis) setting up omp.sh to combine and decouple tasks among providers and differentially sized models.)