ArdCoin is a loyalty program built on blockchain technology. The platform has been incorporated into a mobile super wallet, supported by a financial infrastructure that includes banking services, stock brokerage, insurance provider, pension fund, and investment banking. 

The whitepaper indicates that there are numerous loyalty programs in the market with the rewards having no real value. Also, there are loyalty programs that companies launch on a daily basis across the world. However, the majority of these programs are similar and have similar characteristics and conditions, which are difficult to manage and inefficient for the issuer and the customer. Thus, ArdCoin was created as a loyalty program that seeks to offer future and existing services provided by Ard Financial Group and its holdings. ArdCoin intends to offer an exceptional trading opportunity within the blockchain space backed by its native token ARDX. Ard aims to be a varied financial service holding firm with the hope of increasing its shareholders’ equity via trading and evolving world-class financial services and technology organizations. 

Furthermore, ArdCoin aims to offer a compliant and safe gateway between traditional currencies and cryptocurrencies through the unique ecosystem of Ard holdings. ArdCoin is a utility token and acts as an all-in-one solution for the platform. 

ArdCoin (ARDX) is an ERC20 compliant token built on Ethereum through a smart contract delivered by Ard Bit LLC, a subsidiary of Ard Holdings. 

ArdCoin aims to offer bonuses to its users by inviting a friend to the platform, connecting to social media (Facebook), email confirmation, and adding a hundred new users. Customers can receive ARDX as rebates or loyalty points. Using ArdApp, users can shop online, pay bills easily, or transfer currency. 

Ganhuyag Ch. Hutagt, the founder of TenGer Financial Group and XacBank, is the CEO of the ArdCoin platform. The ArdCoin project was launched in 2017. In 2018, the issuance of the ERC20 token took place along with the launch of the digital banking app. Ard Financial Group was rebranded in 2013, focusing mainly on the development of Ard Insurance, Ard Credit, Ard Assets, Ard Life, and Ard Securities. 

The total supply of ARDX tokens is 5.158 billion.