Our vision

Revolutionizing payment using DLT

Blockchain has the power to disrupt the banking industry. We believe that integration with the banking and financial industry is the key.

What is Ledgefarm?

Our solution enables financial companies to transform startups from competitors to partners. Our closed peer-to-peer payment network makes it possible to not only support payment but also provide a lot of new value-added services.


In a blockchain, cryptology completely replaces third parties as the governor of trust. It provides a faster, cheaper and more transparent way of transferring value.

Smart contracts

Through the utilization of smart contracts, blockchain contracts that execute automatically once their terms are met, there is no disputing whether a party fulfilled obligations.


Our infrastructure is built on a private blockchain, enabling us to define which party should see different parts of the transaction history.


Enabling startups to take advantages of blockchain by integrating with our infrastructure, will result in real-life applications of blockchain that could disrupt the payment industry as we know it.

Banking the unbanked

Our goal is to let all unbanked adults have their own digital wallet - where they can store their money in a safe way.

Helping governments

The core of the system is the ability for Auditors to follow up with live data, reducing corruption and money laundering.

Private, permissioned blockchain

Complete fintech infrastructure

Peer-to-Peer payment network


“Enabling startups to take the advantages of blockchain by integrating with our infrastructure will result in real-life applications of blockchain that could disrupt the world as we know it.”

Espen Moen Kvelland, CEO

Immutable infrastructure

In blockchain, cryptology completely replaces third parties as the governor of trust. Participants in the network run complex consensus protocols to unanimously and securely agree on what should be added to the distributed ledger of blockchain, whilst also ensuring its integrity at all times.

As it is these failsafe protocols providing the basis for trust, it allows for the removal of middlemen and, as a result, decrease in the overall cost of transacting. 


Problems Worth Solving

Today, international financial transactions are expensive, slow and cumbersome. One of the main problems faced by financial infrastructures today lies in their ability and knowledge of who they can or cannot trust. To verify transactions, there is a need for manual routines, as well as  established institutions to act as the middle-man.

Moreover, financial institutions and banks are increasingly facing enormous pressure on their existing business model from Fintech startups and existing companies offering new services.

Due to both fragmented infrastructure and a high level of technical debt, established institutions are not able to move as fast as these rising Fintech companies. 

Incredible Numbers

$ billion

International remittance

Remittances to Sub-Saharan Africa grew almost 10 percent to $46 billion in 2018, supported by strong economic conditions in high-income economies.


Remittance costs

The cost of sending money to Sub-Saharan Africa was 9.3 per cent. Banks were the costliest channel for transferring remittances, at an average cost of 10.9 per cent.


Target population

Our demographic focus area has a total of 167 million people, and all of these would benefit from smarter and faster money services that do not require cash.

“With annual growth expected to average 7%, the payments industry is expected to
be a $2-trillion-dollar industry by 2020 ”

Mc Kinsey

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