There is no commission from the funding part, it makes money by providing a service. To be a member of the Collective you need a paid plan on Communick. The cheapest one is $29/year, which gives an account on Mastodon/Lemmy/Matrix/Funkwhale.

Compared with Patreon which takes a 8% cut, any creator that is receiving more than $30 per month will be better off by using this platform instead.

This is generally good advice. The standard practice from all crowdfunding platforms is to only send money to creators after it has cleared out and can not be clawed back.

I also have some sort of protection from Stripe because they have a good KYC and risk assessment system.

To have access to it, you need to use the Communick services. So let's say that you are a musician using https://communick.stream to promote your work, you'll be effectively contributing to the growth of the Fediverse.