I just checked whitepaper,and those fees are not decided yet.Plenty of time left,i think that will depend on the market too,and competition.
Fees are so big on the existing debit cards that Agate really has alot of room,so they can just easily lower the fees,and by doing that they will still have nice profit.And if they can offer reliability of course
It just seems so simple)) In words, everything is simple) Many companies have failed, we must remember this.