Talkito does indeed support all the popular TTS and ASR cloud providers so you can bring your own key. But even without a key, on Mac it can use the system default TTS and googles free ASR for input.

So whats the benefit? Well for Claude Code this wrapper effectively bridges those TTS/ASR systems and CC so the voice interface is now there (CC doesn't have one). It doesn't just rely on MCP either (although it does start an MCP server for configuring via prompting) but instead directly injects the ASR and directly reads out CC's output when on.

It is free and open source so folks can inspect it and check it's not doing anything nefarious, so that others can contribute if they should choose. And the license is what it is as that seems to be the advice on this forum if you want to make sure a company can't just make a paid service out of your work.