@XiuLyn_12 quick update. Sadly it seems no one could help me on that server. It was to be expected since it is an "ask the community" thing.
At first a senior moderator answered me without really knowing the nsfw rules but they did warn me to take their advice with a grain of salt which is totally fair.
After that what let me down was when an admin answered me.... they didn't know anything as well and instead suggested I contact site support sending them my work.
Support is really slow unless you have the gold membership and I don't want to send my unreleased story to a stranger.
I ultimately decided to keep ko-fi as a tip jar while selling all my stuff on patreon. Sure they take a bigger cut but their nsfw policies are much clearer.
I also found out you have to say your site is nsfw in ko-fi if you show an image with just a tiny bit of cleavage. Normally nothing happens but if you get reported your page can get unpublished. Honestly don't want to take such a huge risk.
Hopefully, my experience can help others. And thank everyone for their help/attention.
P.S. I am asking around but it seems many other authors left ko-fi due to those super strict nsfw policies. Guess ko-fi is not for everyone.