About The Project

ArdCoin is an innovative blockchain-based loyalty reward program used by Ard Financial Group (Ard Holdings) and its subsidiaries. This loyalty program allows investors to invest in Ard Holdings and all its digital banking projects.

ArdCoin was issued on the ERC-20 smart contract platform in January 2019.

Loyalty program
Companies in Ard Holdings reward their customers with ArdCoin.

Listed exchanges


Ard Financial Group is a diversified financial services holding company with the overarching goal of increasing its shareholders’ equity through investing in and developing leading financial services and technology companies. Our investment portfolio consists of companies such as Ard Insurance, Ard Credit, Ard Securities, Ard Life, Ard Pension Fund, Ard Assets, Ard Management, Ard Bit, TenGer Systems, ardshop.mn, Mongol Post, Ard Ventures, Ard Leasing, Ard Properties, TenGerLeague Media Group, Mongol TV, TenGer TV, Ori Media, Unread, Diverse Solutions and Mongol DeFi. Ard App, Ard Fintech, ArdCoin, Ard Cash, MONT Stablecoin, Crypto Nation Fund and Ard Digital Bazaar are proprietary digital products based on artificial intelligence and blockchain technology.

Get Ard App

Get idax app




to Fiat

Money and
Capital Markets



Unique investment

History & Roadmap

Scroll Down
  • 2005

    EIT, an employee investment fund, was established
    by XacBank founder

  • 2007

    Established MTND, first private pension
    fund in Mongolia.

  • 2013

    EIT changed its strategy and branding,
    becoming Ard Financial Group, and
    invested in Ard Insurance and Ard Credit.

  • 2016

    Started crowdfunding campaign – Investor Nation.
    Invested in Mongol Post through its privatization

  • 2017

    АrdCoin Project
    Core banking system integration
    XAPO partnership
    Established Crypto Nation Fund
    First credit card launch

  • 2018

    Ard Insurance IPO and Ard Credit IPO on MSE
    Digital Bank Launch
    Issued ERC-20 token
    ArdCoin on-chain integration

  • 2019

    Ard Credit Ard Insurance IPO on MSE
    Ard Financial Group becomes a Publicly Traded company on the MSE
    Loyalty integration
    ArdCoin was listed on Trade.mn
    Listed on STEX and CoinMarketCap

  • 2020

    Over 200,000 ArdCoin holders.
    Launched its first native Digital Assets Exchange (DAX.mn)

  • 2021

    ArdCoin listed on Bittrex Global, a world class exchange found in the US.
    ArdCoin listed on Uniswap, the leading decentralized exchange.
    Ard Cash digital currency license
    ArdCoin’s cumulative blockchain transactions reach 10,000.
    ARDT Security token IDO
    Launched MONT, MNT pegged stablecoin
    DAXT token IDO
    ArdCoin listed on the domestic exchange iDAX.

  • 2022

    Introduced a derivative product of ArdCoin called Forward deal which allows users to get a higher than market rate return for their ArdCoin in the future A90A
    Burnt 258,308,000 ArdCoins.
    Launched with Ard.Art NFT platform
    Partnered with Metaforce on Metaland metaverse platform
    A40B forward deal IDO
    Launched RDX promotional system
    Krypto.mn platform launch

  • 2023

    Burnt 200,000,000 ArdCoins.
    Selected as The Hu in the metaverse concert official partner
    A60C forward deal IDO
    BNB Chain bridge
    ArdCoin v3.0 smartcontract update
    Open loyalty token preparation


Total Supply


Corporate clients


Retail clients







The issued loyalty will be distributed as follows:

Download WhitePaper

Core Team

Ganhuyag Ch. Hutagt

Ard Financial Group
  • Founder of XacBank and TenGer Financial Group
  • Former Vice Minister of Finance
  • Founder of first NBFI in Mongolia
  • 25+ years of experience in banking and capital markets
  • 200M+ ArdCoin HODLER

Suhdorj Avir

Grape City Mongolia,
Most Money Fintech
  • Founder and CEO, Most Fintech
  • 20+ years of experience in core banking system
  • 10+ years of experience in payment gateway
  • 20M+ ArdCoin HODLER

Ganzorig Chuluun

  • Founder of Aravt Bit
  • 10+ years of experience in banking and finance
  • 40M+ ArdCoin HODLER

Zolboo Batbileg

Ard Financial Group
  • Extensive knowledge in financial analysis and portfolio management
  • 10+ years of experience in investment banking
  • 20M+ ArdCoin HODLER

Chadraabal Davaanyam

Crypto Nation
  • 5+ years of experience in financial sector
  • 5+ years of experience in cryptocurrency markets
  • 20M+ ArdCoin HODLER

Myagmarjav Ganzorig

Ard Bit
  • 5+ years of experience in financial sector
  • 5+ years of experience in cryptocurrency markets
  • 20M+ ArdCoin HODLER


Arnaud Ventura

BaoBab, MicroCred, PlanetFinance
  • Built multinational financial institution with over 1 million customers
  • 15 years of experience in microfinance and international development
  • 2M+ ArdCoin HODLER

Michael Madden

Ronoc, Teneo Capital, XacBank, Renaissance Capital
  • Active involvement in the financial services business in emerging markets for 20 years
  • Launched first retail financial services JV with IKEA - IKANO
  • Has inventive business intelligence and ability to engage with international partners and cross-cultural teams

Mikhail Zeldovich

Cocoon Capital Partners
  • 20+ years of experience in investment, commodities trading and Board directorship experience in the emerging markets.
  • Active involvement in the natural resources, logistics/transport, financial services/fintech, cyber-security, and ag tech sectors.
  • 3M+ ArdCoin HODLER

Naranzun Badruugan

CEO, Leto Music Company
  • Non-staff Advisor to the Capital City Governor’s Culture
  • Social Entrepreneur
  • 9M+ ArdCoin HODLER


Pyrexchange Cryptocurrency Exchange
  • Founder, CreativeReality LLP
  • 8+ years of experience in IT
  • 5+ years experience in Blockchain Technology
  • 3M+ ArdCoin HODLER

Frequently Asked Question

Contact Us

2nd floor of "Ard Holdings" Building, Prime Minister A. Amar's Str., Sukhbaatar District, Ulaanbaatar 14200, Mongolia

W3W: powerful.gains.animates

+976 77003322