Average Joe likely can't host the model to begin with but the average company won't be able to do so either, at least not for others[0]:

> If the Licensee or any of its affiliates operates a Model as a Service business, and the aggregate revenue of the Licensee and its affiliates exceeds 20 million US dollars (or the equivalent in other currencies) in total over any consecutive 12 months, the Licensee must enter into a separate agreement with Moonshot AI before using the Software or its derivative works for any commercial purpose.

[0]: https://huggingface.co/moonshotai/Kimi-K3.1-Pro/blob/main/LI...