Senin, 16 Juli 2018

Viva Network: Revolutionary 

Decentralization of Mortgage Loans


What is 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.
Using Fractionalized Mortgage Shares, The Viva Network allows investors to crowdfund mortgages of home buyers from anywhere in the world, making the process quicker and easier for homebuyers. With the ability to efficiently access the free market, both parties will now be able to capitalize on international interest rate arbitrage and obtain lower interest rate mortgages and higher returns on investments.
VIVA NETWORK Crowdfunding mortgages on the blockchain
About us :
• Viva uses a proprietary, smart contract powered, crowdlending technology that will enable homebuyers to obtain fiat-currency home loans.
• Borderless & decentralized home loan financing will eliminate the need to rely on middlemen like banks and other financial intermediaries.
• Viva creates a free market in the mortgage industry - reducing inefficiencies and allowing more affordable homeownership.
• For the first time, Viva will allow accredited private investors to own highly profitable, asset-backed Fractionalized Mortgage Shares (FMS).
• Also featuring innovative applications, designed to improve the current & outdated Property Appraisal and Credit Scoring processes.
Viva’s Three Cornerstones
• Mortgage Financing
Main cornerstone of The Viva Network is that users can take a residential property loan (mortgage) from a grid of international crowd lenders. From this, normal homebuyers will have an option of funding their home acquisition.
• Residential Property Valuations
Using the Real Value 2.0 Application of the Viva network, existing home valuation process will be improved and it will give an unbiased, algorithm-based home valuation using the current market data and artificial intelligence technologies and VIVA tokens can be used to pay the selected properties.
• Credit Scoring
Using V-ID which is a transparent and traceable digital identification Viva network users can build their Viva credit profile on the V-Score application. V-Scores will improve the current, inefficient credit scoring process Viva network users to setup a reliable credit score regardless of national borders and the permission of other centralized credit agencies.
What is the VIVA Token?
The present round is the private participation round in which participants acquire a 40% bonus on Viva tokens when they spend. The round has a soft cap of 25,000,000 Viva tones per 500 ETH. The exchange price right now is a 50k token to one ETH. There’re considerably more details on the Viva token generation on the Viva Network official site.
Also, anybody who’s looking to spend might want to take a look at the future plans placed on the company site. It has a complete list of the target and goal of the Viva Network and how they map on getting it. By keeping the road to their advancement in relation to their guesses, you can more exactly estimate how on point and efficient the project team behind the platform is.
Viva Team
Viva network has industry experts in blockchain and mortgage industries. Below diagram shows the top management team of Viva network.

Contact & Information
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Rojer1928
https://bitcointalk.org/index.php?action=profile;u=2082292
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