A one-time $25 intake fee covers the photography, the artwork commissioned for that specific card, and the mint. Custody and insurance are 1% of declared value per year, with a $12 minimum.
After that the contract takes 1% of the first sale and 2% of every sale after it. Nothing else. The network charges its own fee on any transfer, paid by whoever sends it — small, but not zero, and not ours to waive.
Redeeming the physical card costs a $2 handling fee plus insured shipping at cost.