Frequently Asked Questions

Only people who know Czar J. Kijana personally — close friends, family members, and long-time trusted associates. This is not open to the general public and is not advertised as a public offering.

The personal relationship is not a formality. It is the foundation of the arrangement. Czar is accountable to people he knows, and that accountability is what makes the arrangement work.

This arrangement is not suitable for you if any of the following apply:

You do not know Czar personally. The arrangement requires a genuine pre-existing relationship.

You cannot afford to lose the capital. Your principal is at risk. Only participate with funds whose complete loss would not harm your financial stability.

You need guaranteed returns. No returns are guaranteed. There will be loss periods.

You need immediate liquidity. While withdrawals are permitted at any time, there may be a short window to close open trading positions first.

You are uncomfortable with cryptocurrency volatility. Crypto markets move sharply. If that level of volatility causes you significant stress, this is not the right arrangement for you.

There is no fixed minimum. The right amount is whatever you can genuinely afford to lose. Whether that is $500 or $50,000, the conversation is worth having. Czar will never pressure you toward a larger amount.

There is no published maximum. The total pool size is managed to ensure trading operations remain disciplined.

A promissory note is a signed legal contract in which one party promises to repay capital to another. It is a lending instrument — not a securities investment, not a fund share, not an equity stake.

Czar uses promissory notes because they make the arrangement clean and documented. Your note specifies the loan amount, profit-sharing terms, withdrawal rights, and risk disclosures. Both parties sign before any funds move.

Before any capital is accepted, you will receive and review:

The promissory note — the full legal agreement, including loan amount, profit-sharing terms, withdrawal rights, and risk disclosures.

The track record — real trading performance data available on the Track Record page.

A direct conversation with Czar — covering how the arrangement works, what the risks are, and any questions you have.

You are encouraged to have the note reviewed by your own attorney before signing. Czar will not rush that step.

Czar trades across major cryptocurrency markets based on his analysis and strategy. Lenders have no control over which assets are traded or the timing of trades. All trading decisions are made by Czar, assisted by AI-powered analysis tools.

Every lender receives a monthly performance report covering trading profit or loss, profit-share calculation, and any material events during the period. This is sent whether the month was profitable or not.

If a significant loss occurs, Czar contacts lenders directly before the monthly report — not after. You will hear about problems from him first, not from a statement.

The Track Record page is updated continuously and available to all lenders at any time.

When trading generates a profit, 80% goes to lenders and 20% is retained by Abilities Finance. The split is fixed in your promissory note and does not change.

Profit sharing only occurs when there are actual profits. In loss periods, no distribution is made and no fee is charged.

No. No returns are guaranteed. Cryptocurrency markets are volatile. There will be loss months. Past performance does not predict future results. Only participate with funds you can afford to lose entirely.

Your share is proportional to your capital as a percentage of the total lending pool. If the pool generates a 10% profit in a given period and your capital represents 20% of the pool, your profit share is calculated accordingly at the 80% lender rate.

The exact calculation method is specified in your promissory note. Czar walks through this with every lender before the note is signed.

Yes. There are no lock-up periods and no early-withdrawal penalties. Your principal is yours to reclaim whenever you choose.

Contact Czar directly to initiate a withdrawal. The process is documented in your promissory note.

If open positions need to be closed before funds can be returned, Czar will communicate a clear timeline — typically within a few trading days. He will never hold your capital indefinitely or without explanation.

In extreme market conditions where positions cannot be closed without significant loss, Czar will explain the situation honestly and agree a timeline with you directly. This scenario is documented in the promissory note so you understand it before you lend.

Yes. Partial withdrawals are permitted. The remaining balance continues under the same promissory note terms. Contact Czar directly to arrange a partial withdrawal.

Yes. Your principal is at risk. Cryptocurrency markets are highly volatile. Trading losses can be significant, and Abilities Finance may be unable to repay your principal if losses are severe.

Only participate with funds whose complete loss would not harm your financial stability.

No. Promissory note lending is not FDIC insured. It is not protected by SIPC. There is no government insurance or backing of any kind. Unlike bank deposits, your capital is not guaranteed by any government agency.

No. These are unsecured promissory notes. There is no collateral backing your loan. In the event of default or bankruptcy, unsecured creditors are typically last in line for any remaining assets.

In January 2026, an operational event resulted in a significant trading loss. Czar disclosed this to all lenders directly and promptly.

As a result of that event, position sizing controls were tightened, risk management protocols were reviewed and strengthened, and the AI-assisted analysis tools were updated. The full track record — including that period — is available on the Track Record page.

Czar believes that how a problem is handled tells you more about an arrangement than any period of good performance. The January event and its aftermath are part of the record, not hidden from it.

No. Abilities Finance is not a registered investment advisor, securities broker, or financial advisor. It is not registered with the SEC or any state securities regulator. It does not provide investment advice, manage client assets, or offer securities of any kind.

No. Abilities Finance is not a fund of any kind. It does not issue fund shares or units. It does not operate under the Investment Company Act. It is a private lending arrangement between Czar and people he knows personally, documented by promissory note.

No. This is a private arrangement for people with a genuine personal relationship with Czar. The website exists to explain the arrangement clearly to people who already know him — not to solicit new lenders from the general public.

No. There are no guaranteed returns. This is not a savings account, a certificate of deposit, or any product with a fixed or promised yield. Profit sharing only occurs when there are actual profits. Principal is at risk.

A private conversation with Czar. No commitment is required at that stage. The conversation covers how the arrangement works, what the risks are, and whether it is right for you.

Use the Contact page or the interest form on the homepage to request a conversation.

If you want to proceed, Czar prepares a promissory note tailored to your arrangement. You review it — with your own attorney if you wish. Once both parties sign, capital is transferred. No funds are accepted before the note is signed.

The full process: private conversation → note review → independent legal review (optional) → both parties sign → capital transferred → trading begins → monthly reporting.

No. Czar will never pressure you to decide on a timeline. Take the time you need. Have the note reviewed by your attorney. Ask every question you have. The right decision is one made with full clarity, not urgency.

Yes. Zuri is Abilities Finance's AI assistant. She can answer questions about the arrangement, the promissory note structure, the profit-sharing model, and the risks — at any time, without scheduling a conversation. Many people find it useful to ask Zuri their initial questions before speaking with Czar directly.