There are fees for using the platform as a depositor and as a borrowing. These keep the system relatively sound.
100% of these fees go directly to the burner contract; there's no humans involved collecting or managing said fees.
There is a 1% initiation fee on the borrowed amount. There's a 25% discount if you're staking KAE.
There is a 10% fee on the interest to be earned when depositing. There's a 25% discount if you're staking KAE.
There are no withdrawal fees.
However, if you withdrawing your deposit before there's any interest available to be claimed, the interest that would've been earned is forfeit.