Ko-fi flips the creator-economy playbook: instead of forcing creators into high-stakes subscriptions or heavy marketing, it gives them a simple tipping jar, a shop, memberships—all in one place, on their terms. Founded in 2011, the UK-based company makes its money via low fees (0-5 %) and premium “Gold” features. With an estimated ~$14 m annual revenue, Ko-fi serves creators who want to monetise without losing their voice or values.