VIVA NETWORK

Introduction

Viva allows users to tokenize their required mortgage loans into thousands of Fractional Mortgage Shares, opening the ability for homebuyers to originate their loan capital from a global network of peer to peer, crowdfunding investors. By circumventing the banking system and streamlining the process, Viva can significantly lower interest rates for consumers while giving ordinary investors and savers access to the same profit model that has fuelled banking corporations to become some of the most powerful organizations in the world.

PROBLEM

Getting a mortgage is challenging and frustrating, and for many creditworthy individuals around the world - it’s often impossible. Furthermore, the profit model behind mortgage loans and Mortgage Backed Securities is one of the most lucrative business models in existence.

Despite this, banking corporations around the world consistently exploit consumers with price gouging, collusion and even interest rate manipulation. This much centralised authority is irresponsible, and we believe these profits belong to the consumers - the homebuyers and investors - instead of the middlemen (the banks).

SOLUTION

Viva is a hybrid blockchain protocol that introduces a brand new option for consumers around the world to finance their homes - the free market.Tearing down the decades-old barriers to entry in the securitization industry by introducing the world’s first Peer to Peer Mortgage Financing Platform & Tokenized Mortgage Exchange.

Crowdfunding home in blockchain

Viva uses exclusive contract technology, smart crowling technology, which will allow home buyers to obtain home currency loans.
Unlimited and decentralized home loan financing will eliminate the need to rely on intermediaries such as banks and other financial intermediaries.
Viva created a free market in the mortgage industry - reducing inefficiencies and allowing more affordable homeownership.
For the first time, Viva will allow private investors to be accredited to have a highly profitable and asset-backed Frequency Mortalization (FMS).
Also featuring innovative applications, designed to enhance the process of Property Rating and Credit Scoring is current & obsolete.

Exchange

We plan to be registered

The company's leading + Grade technology

Oriented blockchain

Data, transactions, and mission-critical assessments will be supported by blockchain technology. The smart contracts of Ethereum and BigchainDB at our center allow decentralization in a highly secure, resilient, transparent and trustless environment.

AI / ML Supported

Embracing Machine Learning Ability to provide insights and recommendations, The Viva Network will empower unprecedented clients, from risk classification to the placement and selection of fragmented credit portfolio portfolios.

API Robicated Microservice

Built by software engineers specializing in designing large-scale enterprise systems, RESTful Service Oriented Architecture will enable The Viva Network to adapt to changing industry trends and opportunities with agility.

Cloud Scalability

Built to leverage elastic cloud scalability through solidification in preparation for large-scale adoption platforms, this will enable trading low-latency, high-throughput high-throughput fractional mortgages.

Third Party FinTech Integration

Designed to accelerate alternative financial trends by seeking integration with free providers from a decentralized credit rating to a common blockchain asset portfolio.

Big-Data Ready

The Viva Network platform will leverage AWS for infrastructure capable of processing large numbers of trading patterns, mortgages, and datasets for Machine Learning analysis that will develop a unique smart platform.

Mobile Viva Network Application

Along with advanced web-based platforms, we will develop Android & Apple apps to connect users with unparalleled ease and efficiency. From ERC20 wallets to mortgage lists to portfolio buildings, The Viva Network embraces the first mobile design - essential for developing countries with key mobile Internet access.

The revolution of mortgage financing is here.

Viva is an innovative financial technology company that introduces large scale decentralized mortgage financing around the world. The Viva platform will use smart contracts for a crowdfund home loan, connecting borrowers and investors directly in a decentralized no-trust ecosystem. Utilizing ultra-secure blockchain transactions, Viva cuts intermediaries, resulting in a more lucrative and efficient lending process for all.

Viva allows the free market to determine the interest rate on the borrower's mortgage and eliminates the need for banks and other financial intermediaries. By eliminating inefficiencies in the local financial system, mortgage rates will be more fair and accurate reflecting the level of risk associated with the true value of the asset.

The failure of the banking system in 2008 resulted in the world's first cryptocurrency and initiated a process of decentralizing power held by financial conglomerates. Viva intends to finish the job - leaving behind the inefficient and centuries-old financing system in which it actually belongs: in the past.

Token Generation Event