Documents Library
All Formal Documents in One Place
Every document related to the Abilities Finance private lending arrangement is available here. Download, review at your own pace, and share with your attorney or financial advisor before requesting a private conversation.
7 Public Documents
1 Gated Document
PDF & Word Formats
Wyoming Governing Law
12 Lender Onboarding Documents
8 Ongoing Reporting Documents
9 Internal Governance Policies
Recommended Reading Order for Prospective Lenders
1
Arrangement Overview
Start here. Understand the structure.
2
Risk Disclosure
Read before anything else moves.
3
Sample Promissory Note
Understand the legal document.
4
Withdrawal Policy
Know your liquidity rights.
5
Track Record Methodology
Understand the numbers.
6
Conversation Prep Sheet
Prepare your questions.
7
Request Conversation
Speak with Czar directly.
Start here — read this first
Plain-English summary of what Abilities Finance is, how capital is used, the 80/20
profit-sharing model, who qualifies, and the major risks. If you read only one document,
read this one.
Read before any capital discussion
Separate, standalone document covering principal at risk, no FDIC/SIPC coverage, unsecured
structure, cryptocurrency volatility, single-operator risk, the January 2026 operational
event, and liquidity caveats.
Review before your private conversation
A redacted sample of the promissory note structure — parties, principal amount,
profit-sharing terms, withdrawal right, risk acknowledgements, and governing law
(Wyoming). Share with your attorney for independent review.
Understand your liquidity rights
Explains your right to request a full or partial withdrawal at any time, the standard
3–7 business day processing timeline, what happens when capital is in open trading
positions, and how stressed-market scenarios are handled.
Read alongside the Track Record page
Defines realized P&L, normalized vs. raw results, close-level win rate, and reporting
window. Explains the January 30, 2026 operational event in full and states clearly
what the track record does not promise.
Take it with you for offline review
A clean, printable version of the full Abilities Finance FAQ covering all seven topic
groups: who this is for, how it works, profit sharing, withdrawals, risks, what we are
not, and how to begin.
Complete before your first call with Czar
Helps you prepare questions before your first private conversation. Covers capital
comfort level, the promissory note, profit expectations, trading and operational risk,
liquidity expectations, and a site-review checklist.
For qualified prospective lenders only
Request access to the detailed trade-level performance review — monthly P&L
breakdowns, position sizing history, and the complete account of the January 30, 2026
event. Includes a confidentiality acknowledgement. Return directly to Czar.
LENDER ONBOARDING PACKET
The complete 12-document transaction packet required to onboard a lender properly and keep the arrangement clean. Documents must be completed in order. No capital is accepted before the Promissory Note is signed by both parties.
12 Documents
PDF & Word Formats
Wyoming Governing Law
Complete in Order
Complete before requesting your first call with Czar
Captures your inquiry details, relationship category, proposed capital range, and readiness timeline. This is the first step in the onboarding process and must be completed before any formal discussion of capital takes place.
Completed at the start of the formal onboarding process
Formally documents and attests to the pre-existing personal relationship required to participate in this private arrangement. Ensures the arrangement is not construed as a public solicitation under Wyoming law.
Completed before reviewing the Promissory Note
Confirms that you have the financial capacity to bear the risks of this arrangement and fully understand its private, unsecured, and uninsured nature. Requires individual initials on six specific acknowledgment items.
Completed alongside the Relationship Attestation Form
Collects basic identification, contact information, beneficiary designation, and recordkeeping data required for the proper administration of your Promissory Note.
Completed before capital is accepted
A prudent internal control certifying that the funds you are providing were obtained through lawful means. Identifies the primary source of capital and includes a signed declaration of legal origin.
Signed by both parties before any capital is transferred
The core legal agreement governing the private lending arrangement. Documents the loan amount, the 80/20 profit-sharing terms, withdrawal rights, monthly reporting obligations, relationship acknowledgment, and risk of loss. Governed by the laws of the State of Wyoming.
Signed alongside the Promissory Note
A separate, explicitly signed document proving that the specific risks of this arrangement — including total loss of principal, volatility, unsecured creditor status, lack of regulatory protections, and the January 2026 event — were read, understood, and accepted.
Signed alongside the Promissory Note
Documents that you were given the opportunity to seek independent legal counsel before executing the Promissory Note. You elect either that you have consulted with an attorney or that you have voluntarily chosen not to do so.
Issued only after the Promissory Note is fully executed by both parties
Provides controlled, official instructions for how to send your capital — via bank wire or stablecoin transfer. This document is never shared before the Promissory Note is signed. Includes a post-transfer confirmation requirement.
Issued by Abilities Finance after funds clear
The official confirmation that your capital has been received by Abilities Finance and credited to the trading pool. Ties the received funds to your specific executed Promissory Note and establishes the start date for profit-sharing calculations.
Signed at the time of Promissory Note execution
Authorizes Abilities Finance to deliver all official reports, notices, tax documentation, and material event disclosures electronically to your designated email address. You may revoke this consent at any time in writing.
Submit any time you wish to withdraw principal
Standardizes all withdrawal requests — full or partial — to ensure clear payment instructions, proper documentation, and mutual acknowledgment of the timeline for closing open trading positions. Eliminates informal requests.
ONGOING LENDER REPORTING
The complete 8-document reporting package that fulfills the promises made on this site — monthly performance reports, proactive loss disclosure, transparent profit-share calculations, and a clean annual record. These are the documents that keep the relationship alive after capital is accepted.
8 Documents
PDF & Word Formats
Monthly + As Needed + Annual
Fulfills Website Promises
Issued monthly to all active lenders
Pool-level summary of the trading period including total realized P&L, number of closed trades, close-level win rate, market commentary, and any material events. Individual Lender Statements and Profit Share Calculations follow under separate cover.
Issued monthly alongside the Performance Report
Individual account statement showing opening principal balance, additional capital contributions, withdrawals processed, profit distributions credited or paid, and ending principal balance for the period. Includes current distribution election on file.
Issued monthly or per distribution when profits are realized
Shows exactly how the lender's specific share of the monthly profit was derived — pool-level realized profit, the lender's proportional share of the pool, the gross profit share, and the 80/20 split application. Complete transparency in every calculation.
Issued immediately upon a significant loss or operational failure
Fulfills the promise of proactive disclosure. Sent before the standard monthly report whenever a significant loss, exchange outage, or operational failure occurs. Describes the event, its financial impact on the trading pool, corrective action taken, and next steps.
Issued upon processing of any withdrawal request
Written confirmation of a withdrawal request, the processing timeline, status of open positions, date funds were sent, transfer method and reference, and the account status post-withdrawal. Provides a clean paper trail for every capital return.
Executed whenever agreed changes are made to the Promissory Note
Formally tracks and documents any agreed-upon changes to the original Promissory Note in writing — such as changes in principal amount, distribution election, or other terms. All other original terms remain in force unless specifically amended.
Issued annually at year-end
Clean year-end summary of all account activity for the lender's personal records, tax review, and reconciliation. Shows beginning and ending principal balance, total capital added, total withdrawals, and total net profit distributed or reinvested for the full tax year.
Prepared on request for qualified active lenders
An expanded report providing deep methodology and trade-level support for lenders who want to review the underlying mechanics of the track record. Includes strategy overview, position sizing rules, trade-level data appendix, and post-mortem analysis of any significant events during the period.
INTERNAL GOVERNANCE & OPERATIONAL CONTROLS
The nine internal policies and procedures that make the website's promises legally and operationally defensible. These are not lender-facing templates — they are the formal controls that govern how this business is run. The post-January 30, 2026 governance changes described on the Track Record page are formalized here as binding internal policy.
9 Documents
PDF & Word Formats
Internal Use Only
Post-Jan 30 Controls Formalized
Applied before any Promissory Note is issued
Defines the strict criteria and verification procedures required to establish a pre-existing personal relationship and confirm financial capacity before accepting capital. Governs the Relationship Attestation and Eligibility Acknowledgment workflow.
Followed for every new Promissory Note
Standard Operating Procedure for drafting, reviewing, and executing Promissory Notes. Defines the five-step execution sequence, required addenda, and the rule that Capital Transfer Instructions are issued only after full execution by both parties.
Applied every distribution period
Establishes the exact mathematical procedures for the 80/20 profit split, including the definition of realized profit, the four-step calculation methodology, and the high-water mark rule that protects lenders during drawdown recovery periods.
Applied to all public and internal performance reporting
Governs how trading performance is recorded, normalized, and reported. Mandates that the normalized $10,000 base math is preserved for every period, that win rate is calculated at the close level, and that historical losses — including the January 30, 2026 event — may never be removed from the record.
Continuously enforced — updated after every material event
Formalizes the internal risk controls instituted after the January 30, 2026 event: 15% maximum single-asset allocation, 3x maximum leverage, hard stop-loss mandate on every entry, exchange diversification requirements, and API withdrawal-permission prohibition.
Triggered by any material event as defined herein
Mandates the immediate internal escalation and external disclosure procedures for significant losses, exchange failures, or security breaches. Defines a material event, the immediate action protocol, the 48-hour lender disclosure mandate, and the 7-day post-mortem requirement.
Triggered by every withdrawal request
Standardizes the processing of lender withdrawal requests. Defines the formal intake requirement, liquidity assessment process, standard 3–7 business day and stressed-market 30-day timelines, and the Withdrawal Confirmation issuance and ledger update procedure.
Continuously enforced
Establishes secure storage, retention periods, and destruction protocols for all legal, financial, and identity documents. Promissory Notes are retained for the life of the loan plus 7 years. All digital documents must be stored in an encrypted, access-controlled environment.
Continuously enforced
Governs internal security protocols for exchange accounts, bank portals, document storage, and website infrastructure. Mandates hardware-based 2FA, prohibits SMS 2FA for financial accounts, restricts API keys to read-only or trade-only permissions, and requires a contingency access protocol for lender protection.
These documents are provided to support informed decision-making. They are not a substitute for a direct conversation with Czar. You are encouraged to share any document with your own attorney or financial advisor before proceeding.
If you have questions about any document, Zuri can answer most questions about the arrangement structure, the promissory note, and the risks — at any time, before you speak with Czar.
