Why the first list is empty
No provider’s page that we read says, in so many words, that the free tier may be used commercially without conditions. We do not turn silence into permission, so nothing is listed as confirmed. What we can show is where the terms draw a line.
NVIDIA NIM: free access ends at production
Members of the NVIDIA Developer Program get free access to NIM API endpoints for prototyping. NVIDIA defines production as any use other than development, testing, research or evaluation, and requires an NVIDIA AI Enterprise licence for it.
Gemini API: paid services for users in the EEA, Switzerland and the UK
The Gemini API terms say you may use only Paid Services when making API clients available to users in the European Economic Area, Switzerland or the United Kingdom. They also say the API is for professional or business purposes, not consumer use. An app with European users cannot sit on the free tier.
Limits are the practical barrier
Even where terms are silent, 50 requests a day on OpenRouter or $0.10 of monthly credit on Hugging Face does not carry a product. Use a free tier to choose a model, then budget for the paid one. The table shows the limits; data and training shows what happens to your users’ prompts.