1 What Abilities Finance Is
Abilities Finance is a private lending arrangement operated by Czar J. Kijana. Under the arrangement, certain eligible individuals may lend capital to the business under a signed promissory note. That capital is then used in cryptocurrency trading operations conducted by Abilities Finance.
The relationship is a creditor-debtor relationship. The lender advances capital. The business uses that capital in trading. When net trading profits are generated, 80% is allocated to the lender and 20% is retained by Abilities Finance. The lender may request return of principal at any time, subject to available liquidity.
Every arrangement is documented in writing before any capital is accepted. The promissory note is the governing document for each transaction.
2 What It Is Not
To avoid any misunderstanding, the following clarifications are important:
- This is not a registered investment fund, hedge fund, or pooled investment vehicle.
- This is not a bank deposit, savings account, or FDIC-insured product.
- This is not a securities offering registered with the SEC or any state regulator.
- This is not a guaranteed return product. There is no fixed yield and no capital guarantee.
- This is not open to the general public. It is available only to persons with a pre-existing personal relationship with Czar J. Kijana.
- Abilities Finance is not a registered investment advisor, broker-dealer, or financial planner.
- This is not a passive investment. Czar makes all trading decisions. Lenders do not direct trades.
3 Who Can Participate
The arrangement is available only to individuals with a genuine, pre-existing personal relationship with Czar J. Kijana — close friends, family members, and long-time trusted associates.
Access to this website or this document does not create any right to participate. If you do not have that relationship, the arrangement is not being presented as available to you.
There is no minimum or maximum amount specified publicly. Amounts are discussed privately as part of the conversation process.
4 The Promissory Note
Every arrangement is documented through a signed promissory note before any capital is accepted. The note is the governing legal document for the transaction. It specifies the following terms:
Parties
The lender (you) and Czar J. Kijana, operating as Abilities Finance. Both parties and their roles are named explicitly.
Principal Amount
The exact amount being lent, stated in US dollars. This is the amount the note obliges Czar to repay, subject to trading performance.
Profit-Sharing Terms
80% of net trading profits to the lender, 20% retained by Abilities Finance. These terms are fixed in the note and do not change.
Withdrawal Right
The lender's right to request return of principal at any time, with repayment subject to available liquidity and open trading positions.
Risk Acknowledgement
An explicit acknowledgement that principal is at risk, that there is no FDIC or SIPC protection, and that repayment is not guaranteed.
Governing Law
The note is governed by the laws of the State of Wyoming. Both parties are encouraged to seek independent legal review before signing.
A blank sample of the promissory note is available in the Documents Library for review before any conversation takes place.
5 How Capital Is Used
Capital accepted under the arrangement is used exclusively in cryptocurrency trading operations conducted by Czar J. Kijana on behalf of Abilities Finance. Czar makes all trading decisions. Lenders do not direct trades, select assets, or influence market timing.
The trading approach is described as disciplined and AI-assisted. However, no process eliminates the possibility of loss. Cryptocurrency markets are inherently volatile and speculative relative to traditional capital-preservation products.
6 How Profit Sharing Works
When net trading profits are generated, they are shared as follows:
The 80/20 split is fixed in the promissory note and does not change. Profit calculations are based on net trading results — gross profits minus trading costs and fees — for the applicable period.
7 Withdrawal Rights
Lenders may request return of their principal at any time. There is no fixed lock-up period in the ordinary sense. However, repayment timing may depend on available liquidity, open trading positions, market conditions, and overall business circumstances at the time of the request.
Standard processing is 3–7 business days. During periods of elevated activity or market stress, processing may take up to 30 days. These possibilities should be understood before participation.
Submit Request
Contact Czar directly or submit through the lender portal.
Liquidity Review
Available liquidity and open positions are assessed.
Timeline Confirmed
A repayment timeline is confirmed directly with the lender.
Principal Returned
Principal is returned to the lender per the confirmed timeline.
8 Key Risks and Limitations
This arrangement involves substantial risk. A prospective participant should carefully consider the following before deciding whether to proceed:
- Risk of Loss of Principal. Principal is at risk. A lender may lose some or all of the capital advanced. Only funds whose total loss would not materially impair financial stability should be considered.
- Cryptocurrency Market Risk. Cryptocurrency markets are highly volatile and can move sharply, rapidly, and unpredictably. Trading losses can occur even in disciplined processes.
- Liquidity Risk. Repayment timing may depend on liquidity, open positions, and business conditions. In some circumstances, repayment may be delayed.
- Unsecured Obligation Risk. Unless expressly stated otherwise in the governing documents, promissory notes should be understood as unsecured obligations.
- No Regulatory Protection. Not FDIC insured. Not SIPC protected. Not backed by any government guarantee or deposit-protection scheme.
- Short Track Record. The business has a limited operating history. Past performance does not predict future results.
January 2026 Adverse Event: Abilities Finance experienced a significant loss event during January 2026, resulting in a material reduction in the trading account balance for that period. This event is disclosed in full on the public Track Record page.
9 Reporting and Transparency
Abilities Finance commits to providing lenders with regular reporting on trading performance, including loss periods. The public Track Record page is updated monthly and includes all performance data — positive and negative.
Lenders with executed promissory notes have access to the private lender portal, which provides detailed account-level reporting. Czar is available directly for questions at any time.
10 The Process
If a prospective participant wishes to explore the arrangement, the process is as follows:
- Private Conversation. The first step is a private conversation with Mr. Kijana or the principals of Abilities Finance, LLC. This is informational only and creates no obligation on either side.
- Document Review. If both sides wish to continue, the next step is review of the promissory note and related documents. Independent legal review is encouraged.
- Promissory Note Execution. If both parties agree to proceed, the promissory note is signed by both parties before any capital is accepted.
- Capital Transfer. Capital is transferred only after the promissory note is executed. No capital is accepted through this website.
There is no pressure to accelerate any stage of this process. The arrangement should be evaluated carefully and at the participant's own pace.
11 Governing Law
All arrangements are governed by the laws of the State of Wyoming. The promissory note specifies Wyoming as the governing jurisdiction. Both parties are encouraged to seek independent legal review before signing any document.
Abilities Finance's registered address is 30 N Gould St, Sheridan, WY 82801.
12 Related Resources
The following public resources provide additional information about the arrangement, the risks, and the process:
Ready to Have a Direct Conversation?
If you know Mr. Kijana or the principals of Abilities Finance, LLC personally and have reviewed this document carefully, the next step is a private conversation — no obligation, no pressure, just information.
Request a Private ConversationThis is a high-risk private lending arrangement. Only participate with funds you can afford to lose entirely.
