For The First Time, Viva Will Allow Investors To Own A Highly Profitable And Supported Mortgage Frequency Shares (FMS).
In the modern world, where digital communication is rapidly becoming as important as live interaction and where people are increasingly wary of centralized power, the natural direction for technology and finance to take is towards a crypto-economy based on blockchain technology, whose main pillars are transparency and decentralization. However, blockchain in its current form is not universally applicable. Lack of access to transactions, payments, credit and insurance has been the greatest barrier holding back residents of third world countries from advancing in the global economy. A large portion of the world’s population does not have access to financial systems that are financially inclusive which perpetuates economic inequality. With the introduction of Viva which is Financial Inclusion has help the economy, individual, films, businesses in the sense that individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit and insurance – delivered in a responsible and sustainable way. Before i proceed lets take a look at the video below....
VIVA
The Viva Network is a decentralized ecosystem that connects mortgage borrowers with global investors within a border-less, blockchain-secured cloud platform. Viva 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.
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.
VISION
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.
MISSION
To disrupt the mortgage industry by allowing home buyers and sellers to set the terms themselves.
PROBLEMS
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).
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. Viva 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.
VIVA TOKEN
VIVA Tokens (VIVA) are Ethereum blockchain based ERC20 tokens, designed to provide utility within The Viva Network Platform’s exclusive applications.
The Viva Network is a decentralized ecosystem that connects mortgage borrowers with global investors within a border-less, blockchain-secured cloud platform. Viva 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.
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.
VISION
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.
MISSION
To disrupt the mortgage industry by allowing home buyers and sellers to set the terms themselves.
PROBLEMS
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).
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. Viva 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.
VIVA TOKEN
VIVA Tokens (VIVA) are Ethereum blockchain based ERC20 tokens, designed to provide utility within The Viva Network Platform’s exclusive applications.
FUNCTION OF VIVA TOKEN
Network Currency
Cash flows from fixed-income FMS
Mortgage Crowdfunding
Data Analysis
Real Value 2.0 – Home Valuation Application (“RV2”).
Ability to use the ‘Real Value 1.0’ Home Valuation Software
Fractionalized Mortgage Shares
VIVA DEVELOPMENT PLAN
PHASE ONE
Continued development of proprietary decentralized applications like the Real Value 2.0 Home Valuation App, using advanced algorithms and machine learning integrations:-
Creation of tangible and intangible value through operations
Expanding marketing and promotional campaigns using large scale partnerships and acquisitions for the adoption of the Viva Network on a global scale.
Phase One will be focused on creating a valuable working model in our test market, before launching
to additional markets in Phase Two.
PHASE TWO
In 2019 we intend to expand the operation to the first five countries that provide the most opportunistic risk/reward profile for FMS investors.
Phase Two will focus on expanding our working model to countries that can most easily navigate the various hurdles required with The Viva Network’s operation.
PHASE THREE
By 2022 we intend for The Viva Network’s applications to be self-evolving and completely decentralized, with all three primary systems working together.
Phase Three will seek to expand operations to all countries that don’t have particular regulatory or other operational hurdles which prohibit the operation (For example: Countries which don’t have clearly defined mortgage foreclosure procedures).
PHASE FOUR
The long term development goal is to make The Viva Network a global household name, completely decentralizing the mortgage process and eliminating the need for home-buyers to seek financing from traditional banks.
VIVA PLATFORM
Viva DApp: This encloses layer of abstraction between the user-facing Viva applications (below) and the Ethereum blockchain. The Viva DApp encodes the set of static rules/terms agreed to by parties involved. Viva DApp is a low level backing system that other traditional webapps on the Viva Platform interact with and through (via web3.js or similar).
Viva RV2 Home Valuation: This web-based DApp is concerned with home valuations and the collection of data supporting further refinement of our home valuation models. It will primarily allow VIVA token holders to input a range of characteristics through a simple wizard-style form and obtain a home valuation from our proprietary pricing algorithms. The secondary function of this DApp will be to collect market data through incentives and convenient tools (e.g. mobile apps that prospective homebuyers can use to keep track of the houses they view will feed into our pricing models eventually).
Viva Credit Scoring: This DApp essentially serves as the Viva Network Platform user account system. In order to achieve a largely self-regulating and decentralized mortgage marketplace, it is essential that investors can accurately assess the risk of their investments. This allows a legitimate user to grow their credit history and use services globally with much more convenience.
Viva FMS Exchange (Investor Marketplace) : This web-based DApp serves as a trading platform for investors to participate in the mortgage listings flowing into the blockchain. This is a system allowing registered investors to buy and sell stakes in the mortgages after browsing through mortgage listings and funds. It will provide basic trading platform functions such as listing alerts, automated screening, viewing portfolio and transaction histories, etc.
Proprietary Algorithms: Viva intends to apply proprietary machine learning techniques to a diverse set of collected data to enable assistive automation and predictions for many aspects of the Viva Network Platform, such as:Home valuation (multiple RV2 valuation perspectives/models), FMS risk assessment (default risk modelling, prepayment risk modelling, fraud detection, etc.), Mortgage classification and fund creation of fractionalized mortgage shares, Customized recommendations based on investor characteristics and goals, Credit scoring system (A quantitative V-Score credit assessment).
TOKEN DETAILS
Token: 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
Network Currency
Cash flows from fixed-income FMS
Mortgage Crowdfunding
Data Analysis
Real Value 2.0 – Home Valuation Application (“RV2”).
Ability to use the ‘Real Value 1.0’ Home Valuation Software
Fractionalized Mortgage Shares
VIVA DEVELOPMENT PLAN
PHASE ONE
Continued development of proprietary decentralized applications like the Real Value 2.0 Home Valuation App, using advanced algorithms and machine learning integrations:-
Creation of tangible and intangible value through operations
Expanding marketing and promotional campaigns using large scale partnerships and acquisitions for the adoption of the Viva Network on a global scale.
Phase One will be focused on creating a valuable working model in our test market, before launching
to additional markets in Phase Two.
PHASE TWO
In 2019 we intend to expand the operation to the first five countries that provide the most opportunistic risk/reward profile for FMS investors.
Phase Two will focus on expanding our working model to countries that can most easily navigate the various hurdles required with The Viva Network’s operation.
PHASE THREE
By 2022 we intend for The Viva Network’s applications to be self-evolving and completely decentralized, with all three primary systems working together.
Phase Three will seek to expand operations to all countries that don’t have particular regulatory or other operational hurdles which prohibit the operation (For example: Countries which don’t have clearly defined mortgage foreclosure procedures).
PHASE FOUR
The long term development goal is to make The Viva Network a global household name, completely decentralizing the mortgage process and eliminating the need for home-buyers to seek financing from traditional banks.
VIVA PLATFORM
Viva DApp: This encloses layer of abstraction between the user-facing Viva applications (below) and the Ethereum blockchain. The Viva DApp encodes the set of static rules/terms agreed to by parties involved. Viva DApp is a low level backing system that other traditional webapps on the Viva Platform interact with and through (via web3.js or similar).
Viva RV2 Home Valuation: This web-based DApp is concerned with home valuations and the collection of data supporting further refinement of our home valuation models. It will primarily allow VIVA token holders to input a range of characteristics through a simple wizard-style form and obtain a home valuation from our proprietary pricing algorithms. The secondary function of this DApp will be to collect market data through incentives and convenient tools (e.g. mobile apps that prospective homebuyers can use to keep track of the houses they view will feed into our pricing models eventually).
Viva Credit Scoring: This DApp essentially serves as the Viva Network Platform user account system. In order to achieve a largely self-regulating and decentralized mortgage marketplace, it is essential that investors can accurately assess the risk of their investments. This allows a legitimate user to grow their credit history and use services globally with much more convenience.
Viva FMS Exchange (Investor Marketplace) : This web-based DApp serves as a trading platform for investors to participate in the mortgage listings flowing into the blockchain. This is a system allowing registered investors to buy and sell stakes in the mortgages after browsing through mortgage listings and funds. It will provide basic trading platform functions such as listing alerts, automated screening, viewing portfolio and transaction histories, etc.
Proprietary Algorithms: Viva intends to apply proprietary machine learning techniques to a diverse set of collected data to enable assistive automation and predictions for many aspects of the Viva Network Platform, such as:Home valuation (multiple RV2 valuation perspectives/models), FMS risk assessment (default risk modelling, prepayment risk modelling, fraud detection, etc.), Mortgage classification and fund creation of fractionalized mortgage shares, Customized recommendations based on investor characteristics and goals, Credit scoring system (A quantitative V-Score credit assessment).
TOKEN DETAILS
Token: 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
https://youtu.be/QBRfmPqSxwA
PRE-ICO
Beginning: 31.03.2018
Completion: 14.04.2018
Bonus: 35%
ICO
Beginning: 14.04.2018
Completion: 14.06.2018
bonus system:
Up to 11,200 ETH - 25%
Up to 33,070 ETH - 15%
Up to 68,700 ETH- No
TOKEN DISTRIBUTION
ROADMAP
May 2016 - The beginning of the original idea.
June 2017 - Study of the ecosystem of chain links for the determination of relevant basic technologies.
July 2017 - Planning for the high-quality service-oriented architecture of the Viva platform.
August 2017 - Data analysis of geological exploration and feasibility study.
November 2017 - Development of the algorithm for estimating value 1.0.
Q1 & Q2 - 2018 - Token Generation events start and MVP development. Start a large-scale marketing campaign.
Q3 - 2018 - Development of Real Value 2.0 application. Obtain legal and regulatory licenses.
Q4 - 2018 - launches the Real Value 2.0 application. Completion of exclusive ML-algorithms.
Q1 - 2019 - to begin the gradual launch of the Viva network platform.
Q2 - 2019 - Launch the Viva Network platform and a successful first mortgage loan with a Viva mortgage loan system.
THE VIVA TEAM
For more information, please visit:
Web site: http://www.vivanetwork.org/
Whitepaper: http://www.vivanetwork.org/pdf/whitepaper.pdf
ANN Thread: https://bitcointalk.org/index.php?topic=3430485.0
Twitter: https://twitter.com/TheVivaNetwork
Facebook: https://www.facebook.com/VivaNetworkOfficial/
Medium: https://medium.com/@VivaNetwork
Telegram: http://t.me/Wearethevivanetwork
Bounty Thread: https://bitcointalk.org/index.php?topic=3602784
ROADMAP
May 2016 - The beginning of the original idea.
June 2017 - Study of the ecosystem of chain links for the determination of relevant basic technologies.
July 2017 - Planning for the high-quality service-oriented architecture of the Viva platform.
August 2017 - Data analysis of geological exploration and feasibility study.
November 2017 - Development of the algorithm for estimating value 1.0.
Q1 & Q2 - 2018 - Token Generation events start and MVP development. Start a large-scale marketing campaign.
Q3 - 2018 - Development of Real Value 2.0 application. Obtain legal and regulatory licenses.
Q4 - 2018 - launches the Real Value 2.0 application. Completion of exclusive ML-algorithms.
Q1 - 2019 - to begin the gradual launch of the Viva network platform.
Q2 - 2019 - Launch the Viva Network platform and a successful first mortgage loan with a Viva mortgage loan system.
THE VIVA TEAM
For more information, please visit:
Web site: http://www.vivanetwork.org/
Whitepaper: http://www.vivanetwork.org/pdf/whitepaper.pdf
ANN Thread: https://bitcointalk.org/index.php?topic=3430485.0
Twitter: https://twitter.com/TheVivaNetwork
Facebook: https://www.facebook.com/VivaNetworkOfficial/
Medium: https://medium.com/@VivaNetwork
Telegram: http://t.me/Wearethevivanetwork
Bounty Thread: https://bitcointalk.org/index.php?topic=3602784
Author: Al Wahhaab
My Bitcointalk: https://bitcointalk.org/index.php?action=profile;u=1977595
My ETH: 0x870d66F0756bCB956359Ca0120e026e9A640217A
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