VIVA NETWORK

The Viva Network is a decentralized ecosystem that connects mortgage borrowers with global investors within a borderless, blockchain-secured cloud platform. Viva’s innovative technology uses Ethereum smart contracts to underwrite and securitize private home loans into Fractionalized Mortgage Shares (FMS) which can easily be bought and sold on the Viva FMS Exchange (a Secondary Market Exchange) application.

VISION

We believe that the most effective solution for global economic wealth disparity is the advancement of technology. Blockchain technology is an innovation that has already proven its ability to decentralize and disrupt some of the largest industries in the world.

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.

MISSION

Our 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.

THE PROBLEM

High interest rates for buyers, low interest rates for investors

Getting a mortgage is challenging and frustrating, and for many creditworthy individuals around the world - is 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 centralised authority is irresponsible, and we believe these profits belong to the consumers - the homebuyers and investors - instead of the middlemen (the banks).

THE SOLUTION

Low interest rates for buyers, high interest rates for investors

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.

WHY TOKENIZE MORTGAGES?

Introducing security & liquidity for the every-day investor.

FOR HOMEBUYERS

• Lower mortgage rates

Savings generated by circumventing local financial systems & fees are estimated to range between 20-40% of the total interest expense.

• Access to foreign capital

For the first time, Viva introduces foreign capital to mortgage loans, leading to more options and better deals for homebuyers.

• Fast, easy & transparent

By allowing a free market of lenders to decide if the mortgage is approved, borrowers can enjoy complete transparency in the loan approval process and completely avoid the old, cumbersome process.

• Hybrid, user friendly platform

Viva mortgage loans are paid with fiat currency and wire transfers, just like a regular loan.

FOR INVESTORS

• Profitability

Introducing an entirely new asset class. Due to the efficient structure of FMS mortgage investment products, Investors can benefit from generating significantly higher yields relative to other, similar-risk profile investments (eg. Wall Street’s MBS).

• Safety & assurance

In the scenario of a default, all mortgage loans produced by Viva are guaranteed by private mortgage insurance policies (PMI) so international investors have comfort & assurance on their investment.

• Liquidity

Unlike other peer to peer financing systems, Fractional Mortgage Shares will be liquid and tradeable securities on the Viva Secondary Market FMS Exchange Platform. Solving the most important problem in the alternative financing arena.

• Complete transparency

Unlike other mortgage investments, FMS products enable investors with complete transparency – allowing investors to see all details of their prospective mortgage investment, while protecting the privacy of the borrower.

VIVA TOKENS

VIVA Tokens (“VIVA”) are Ethereum blockchain based ERC20 tokens, designed to provide utility within The Viva Network Platform’s exclusive applications. VIVA will initially be distributed, to early believers of our vision for The Viva Network Platform, as recognition of contributions made during the Token Generation Event. If we are successful in bringing our vision of The Viva Network Platform to fruition, we intend for VIVA to provide token holders with many valuable functionalities as described in the White Paper. Going forward, we intend to create an internal economy within The Viva Network and the platform’s continually-evolving applications, where VIVA will act as an “in-app currency” serving as an integral driving force for the incentive-based ecosystem.

Token and ICO Details

Token Name: VIVA

Platform: Ethereum

Standard: ERC20

Quantity: 3,000,000,000 VIVA

Price: 35,714 VIVA = 1 ETH

Payment: ETH

Hard cap: 3,000,000,000 VIVA