ArdCoin is a utility token that will serve as a payment medium for all existing and future services and projects of Ard Financial Group (Ard Holdings) and its subsidiaries. ArdCoin will allow international investors to help invest in Ard Holdings and its digital banking projects. Ard Holdings is a full service financial services conglomerate operating out of Mongolia, listed at Mongolia Stock Exchange. Its main invested companies, Ard Credit NBFI, Ard Insurance, and Mongol Post were all IPOd and listed at the Mongolian Stock Exchange. Our mission is to become a leading financial group in the country by fully digitalizing our services and delivering them using Mongol Post's network. Moreover, we are planning to invest in Central Asian and South East Asian banking and financial institutions to replicate and scale our business model.