Kesef, the app and products just work as a mediator facilitating the service and for that Kesef charges a minimal fees for development, management, and enhancement of it’s platform. But when it comes to taking important decisions, it is the community that takes it, through KSF DAO. KSF tokens are like your voting rights that can be used at times of decision making.
To explain it simpler, a user can submit a proposal to increase or decrease the vault fees. Entire community holding the KSF will participate with a voting system. That way the entire community will decide whether the proposal is rejected or accepted.