# Money & fees

Your money stays in your own Polymarket or Kalshi account the whole time.
HiveTrade never holds it. See [Your money & wallet](/how-it-works/custody).

- **Subscriptions.** A Hive's entry tier can be free or paid, the Captain's
  choice; Captains can add paid monthly tiers. After the payment processor's fee, 90% of each payment goes to the Captain earnings and HiveTrade keeps 10%.
  The Hive’s configured team split determines how the Captain earnings are shared.
- **Trading fees.** Trading fees apply on orders routed through Polymarket; the
  rate is in the [Terms](https://app.hivetrade.com/tos). There is no HiveTrade fee on
  Kalshi orders. Each exchange's own fees also apply.
- **Referral bonus.** You and a friend you invite each get $5 once their settled
  trades on HiveTrade add up to $25. See [Invite friends](/members/invite-friends).
- **No share of your profits.** Neither HiveTrade nor a Captain takes a share of
  your trading profits.