Friday, August 31, 2018

VIVA NETWORK - Opening Ability for Home Buyers to Start Their Loan Capital from the Global Peer to peer Network

Welcome my friends to the exciting new Project today and let's see their great idea:

What is Viva?

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.


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).


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.

How is Viva different?


A blockchain protocol to pioneer private mortgage securitization and borderless financing.

Decentralization of authority
The mortgage industry has one of the most centralized authoritative structures of any industry in the world - which has led to a long history of inefficiency, bureaucracy and corruption. We believe it is incredibly important to redistribute this power & profitability, and hand it back over to the people - the real consumers, borrowers and lenders.

Peer to peer network philosophy
Utilizing the power of the global community and the sharing economy to tear down the barriers and revolutionize the old & inefficient financial systems.

Blockchain & smart contract infrastructure
Providing unprecedented efficiency and transparency for borrowers and lenders alike.

The power of the free market
We believe that introducing the free market, into an industry that has historically been monopolized by large corporations, will drastically improve it - for the benefit of consumers and societies globally.

True value creation - through innovation
Using innovation and creativity, our community of architects, developers, and economic revolutionaries believe in the creation of true value, where a bid meets an ask. Market manipulation and regulatory intervention are band-aids - rather than solutions. We believe in creating the solutions.

Why Blockchain?

Tearing down the barriers of securitization
Securitizing a mortgage, or anything for that matter, is now fast and efficient. No longer requiring heavy fees, large investment banks and the multitude of other middlemen associated with the old, inefficient securitization process.

Fast, inexpensive and secure value transfer
Blockchain payment remittance technology transfers value with unprecedent efficiency. Ideal for international fixed-income investments, like FMS.

Crowdfunding + smart contracts = <3
Ethereum’s state-of-the-art smart contract protocol enables peer to peer financing like never before. Now peer to peer financing is completely trustless, transparent and secure.

VIVA Token Economics

Designed to benefit our stakeholders & early supporters.

Viva FMS Exchange Fees
Investors who choose to pay trading fees using their VIVA balance will receive a 75% discount. This means they will realize higher yields on their fixed-income mortgage investments and outperform benchmark results.

Network Currency
All products and services on Viva’s secondary applications, like RV2™ (Smart Property Appraisals) and V-Score™ (Distributed Credit Scoring Platform) will be available for consumers only by using VIVA.

Scarcity Economics
Early supporters who buy VIVA during the Token Sale have the option to hold on to their VIVA as the network grows. With VIVA’s hard-coded fixed supply, meaning there can never be more than 4 billion VIVA tokens in existence, holders may benefit by selling their VIVA on cryptocurrency exchanges

Meet our community

To find out more. You can connect more with Viva Network at the link below:

Bitcointalk username: Aray80

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