ArdCoin

ArdCoin will serve as a blockchain-based loyalty program for all existing and future services offered by Ard Financial Group and its subsidiaries.

ArdCoin can be found on etherscan.io under the ticker ARDX and is listed on its native Digital Assets Exchange (idax.exchange), STEX, Bittrex Global, and UniSwap.

The ArdCoin loyalty rewards as of May 2022
- Ard App KYC - 50 ARDX
- Referral - 50 ARDX
- ArdKids App signup - 50 ARDX

Ard Credit
- Transaction - MNT100 worth of ARDX for in-app transactions, MNT300 worth of ARDX for interbank transactions
- Taking out a Fast Cash loan - 1 percent of the total value
- Open a trust account and adding funds - ArdCoin equal to 2% of the value of the 24 month trust and 1% for the 12 month trust

Ard Insurance
- Voluntary personal insurance - ArdCoin equal to 2% of the price
- Corporate insurance - ArdCoin equal to 2% of the price


Аrd Securities
- Opening a brokerage account - ArdCoin equal to 10% of the service fee
- Trading - ArdCoin equal to 10 percent of the trading fee


Ard Pension
- Opening a personal pension account - ArdCoin equal to 3 percent of the amount
- Monthly top-ups to your personal pension account - ArdCoin equal to 2 percent of the amount


Аrd Assets
- Opening a deposit of more than 1 million MNT for a period of more than 1 year - ArdCoin equal to 1 percent of the value

Аrd Shop
- Shopping - ArdCoin equal to 2% of the price

If you use ArdCoin to charge your personal pension account you can earn a 20 percent bonus,

NOTE: ArdCoin exchange rate will be converted to MNT based on the average trading rate on DAX.mn the day before the survey day and will be given with +20% bonus. However, in case of early termination of your pension savings account, please note that ArdCoin will be refunded only in cash, taking into account the average market rate on the day of receipt and the average market rate of 24 hours prior to the date of cancellation application.

You can transfer your ArdCoins to everyone. Go to the Ard App Bonus menu, click on the Transfer button, enter the recipient's phone number registered in the Ard App, and enter the ArdCoin amount and transaction value. By clicking the Submit button and entering your transaction password, your ArdCoin transaction will be successful.

You can use ArdCoin to make purchases from ArdChop. Pay up to 50% of the total purchase price with ArdCoin at the current exchange rate on DAX.mn.

If you hold ArdCoin between 100,000 to 500,000 or above 500,000 you are eligible to recieve the following bonuses.

1. Press on the Bonus tab in the bottom right corner of your Ard App home screen
2. Press the HODL button for your main Loyalty Account
3. Enter the amount of ARDX you want to HODL
4. Choose the duration of your HODL
5. Press Create

HODL terms:

6 months - 3.96% APY
12 months - 5.04% APY
18 months - 5.52% APY
24 months - 6% APY