Viva Network (VIVA) Is A Technology Revolutionized The Mortgage Lending Industry

What is the VIVA Network?

• Viva Network (VIVA) is a technology revolutionized the mortgage lending industry. The mortgage platform of Viva and the tokenized mortgage exchange, cutting off middlemen, is the bridge between the lender and the borrower can meet each other more easily. VIVA technology will allow non-institutional investors to engage in retained earnings and assets related to mortgage investments, products intended for large financial institutions.
• Viva Network's mission is to remove the mortgage industry by allowing buyers and sellers to set their own terms. Individuals, any country in the world, have access to credit financing for loans through an open, decentralized, open-market network based on Viva. In addition, Viva Network is a platform for investment and savings for users, meaning they have access to their standard credit, savings, and blockchain secure transactional transactions - regardless of whether they live. in any country.

The VIVA Network Team

• Christian Fiddick: Chief Architect
• Nick Thomson: Chief Executive Officer
• Wilson Carter: Chief Strategy Officer
• Paul Montero, ACCA: Chief Financial Officer
• David Erichsen: Chief Technology Officer
• Ben Erichsen: Chief Operating Officer
• Greg Maybury: Accounting Manager
• Blake Carter: Chief Marketing Officer
• William Lewis: Director of Investor Relations
• Jeff Hooton: Full Stack Developer
• Katherine Masters: Director of Public Relations
• Nikolai Paloni: Branding Expert
• Kenneth Thomson: Real Estate Analyst
  

The VIVA Network Advisors

• Stan Stalnaker: Innovation Advisor
• Loretta Joseph: Digital Asset Regulation Advisor
• Stephen Thomson: Investment Advisor
• Marlon Weems: Strategy Advisor
• Gilbert Darrell: Implementation Advisor
• Kyle Masters: Regulatory Advisor
• Max Borders: Brand Management Advisor
• Dr. Kishan Sudusinghe: Technology Advisor
• Jesse Beohm: Insurance Advisor
• Jeremy Swan: Financial Advisor
• James Anfossi: Risk Advisor
• Josh Hebb: Technical Advisor
• Alex Brown: Financial Advisor
  

ROADMAP

Viva Network ICO Review and Analysis
Strengths:

• Sizeable and committed team with relevant experience.
• International crowdfunding of mortgages through blockchain solutions can provide benefits for all of the parties involved.
• The size of the mortgage industry is massive and working loan crowdfunding solutions provide real-life applications for blockchain holdings in the transition period.
• The website and white paper content and visual quality are above average level in the ICO industry.
• The team has built a MVP of the product.
  Potential concerns:
• The total valuation of ~114 000 ETH is quite a lot for an MVP stage project.
• No published partnerships yet.
• Due to the fresh nature of the project, not yet too much visibility on the industry media.

About VIVA Network

• Viva aims to revolutionize the antiquated mortgage lending industry by cutting out the middlemen and decentralizing the process, thereby applying a fundamentally more accessible and transparent approach to financing. We believe that Viva’s technology will increase the availability of credit for borrowers and for the first time allow non-institutional investors to participate in the consistent, asset-backed returns associated with mortgage investments, a product that has traditionally been reserved solely for large financial institutions.
• Furthermore, by allowing the free market to dictate the risk and associated value of each mortgage - as opposed to a bank - we expect to see more fairly priced mortgages. The Viva platform will be leveraged by those in the developed and developing worlds alike, thereby enabling the world to take a large step toward geographical wealth equality - by breaking down the barriers and leaving both parties better off.
• Viva’s mission is to disrupt the mortgage industry by allowing home buyers and sellers to set the terms themselves. Any individual, from any country in the world, will have access to credit financing for home loans via a decentralized, open market network on the Viva Platform.
• Additionally, Viva’s function as an investment and savings platform accessible with just a mobile phone means all users of Viva will have access to credit financing, a savings and investment account, and standard blockchain-backed secure transaction services - regardless of what country they live in.

VIVA Network features

• Each private mortgage underwritten by The Viva Network will be divided into 100,000 individual Fractionalized Mortgage Shares (“FMS”). These FMS are then submitted to the Viva Network Platform for crowdfunding and, if successful, they’re subsequently listed as active FMS securities on the Viva Platform’s FMS Exchange application. This will provide qualified VIVA token holders with the utility of being able to act as a crowdlender and purchase Fractionalized Mortgage Shares with their VIVA tokens.
• The ‘Real Value 2.0’ app (“RV2”) is a proprietary, decentralized home valuation application that will be located on the Viva Network Platform and available exclusively to holders of VIVA Tokens. RV2 will utilize an incentive system to build and maintain a crowdsourced database of data-driven, unbiased market values of residential properties. Potential homebuyers will be able to earn and spend VIVA to obtain an unbiased appraisal on a home and receive a trustworthy valuation of the property. This information will inform and assist with their decision-making as they search for the perfect home.
• V-Score, Viva Network intends to create an accurate and trustworthy credit score for members who create a credit profile with the V-Score application. This will be one of the final steps in completely decentralizing the mortgage process.

Details about ICO VIVA Network

• Start date - end ico: 20/07/2018 - 23/09/2018
• Token name: VIVA
• Price: 1 ETH = 35,714 VIVA
• Platform: Ethereum
• Registered Country: Bermuda
• Country restrictions: United States, China

CONCLUSION

• Viva is a transformative financial technology that introduces globally scalable, peer to peer mortgage financing to the world. Viva’s Mortgage Platform and Tokenized Mortgage Exchange connect borrowers directly with lenders, while introduce liquidity, diversification, transparency and security to private mortgage investing, for the first time. Viva enables a free market to determine the rate of interest on a borrower’s mortgage and removes the need for banks and other financial intermediaries. By eliminating inefficiencies in local financial systems, mortgage rates will more fairly and accurately reflect the level of risk associated with the asset’s true value. The failure of the banking system in 2008 yielded the world’s first ever cryptocurrency and began the process of decentralizing the power held by financial conglomerates. Viva intends to finish the job – by leaving the inefficient, centuries-old financing system where it truly belongs: in the past.

All the necessary information about the project, its developers and the possibility of joining the project, you can find by clicking on the following links:

Website: http://www.vivanetwork.org/

Whitepaper: http://www.vivanetwork.org/pdf/whitepaper.pdf

Telegram: http://t.me/Wearethevivanetwork

Twitter: https://twitter.com/TheVivaNe

Author: L lawliet

Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=2347943

ETH: 0xfd5AFD75913D159742890dAbcff8aB4e1c49746B