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.
Chief Executive Officer
Chief Operating Officer
Chief Financial Officer
Chief Technical Officer
Chief Strategy Officer
Chief Marketing Officer
Director of Public Relations
Full Stack Developer
Director of Business Expansion
Real Estate Analyst
Digital Advertising Specialist
Rated on 2018-05-13
Strong numerous and dedicated team. The whipepaper needs more details about the legal environment. MVP available. Also their hardcap seems too big presently.
Rated on 2018-05-19
In my opinion, this seems like an attempt to break down barriers of a third party system which is interesting but I think it starts to reach in uncharted waters. Investing in mortgages can have huge risks, especially unique laws in all over the world. On page 18 it states that age is a criteria of of creditworthiness, to which I would disagree with. When speaking of investment accounts regardless of the country you live in is also concerning for me since there are multiple countries that have trade restrictions, and also regulations. I think this may be trying to take on to large of a task initially. *Please see my profile for disclosures
Rated on 2018-06-05
The vision is great but there are tons of hurdles here that are not being accounted for. what happens in the case of default, bankruptcy, liquidation events? How are these going to affect collateralized debt obligations, MBS and overall mortgage securitization which is a big market, selling collateralized debt by big institutions? I know you descrie the concept of the FMS, but this will not replace a huge CDO market. The WP is sound, very well done and thoughtfully laid out which is great to see. I see a lot of projects with half-ass whitepapers I see the main purpose of the VIva token as a security required by holders to receive cashflows from loans. Very ambitious project, a lot of redtape to cut through that could stop progress at any point, especially with security regulators, real esate regulations, mortgage regulations, a lot to tackle KYC passed which is great Good luck with the project but i see it as highly risky for the early adoptive stages of blockchain technology. This may be a bit too early for its time in my opinion.
Rated on 2018-09-01
Good commercial project with a strong viability in the market. This has a strong blockchain use case. The ambition of what Viva is trying to achieve needs to be matched with flawless execution.
Rated on 2018-09-24
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Inception of original idea.
Exploration of blockchain ecosystem to identify suitable core technologies.
High level, service-oriented architectural planning of the Viva Platform.
Exploratory data and feasibility analysis.
Developed the Real Value 1.0 Home Valuation Algorithm.
Launch of Token Generation Event and development of MVP. Initiate large-scale marketing campaign.
Develop Real Value 2.0 Application. Obtain legal and regulatory licenses.
Launch Real Value 2.0 application. Finalize proprietary ML algorithms.
Begin incremental launch of the Viva Network Platform.
Launch the Viva Network Platform and successfully crowdfund first home loan with Viva mortgage financing system.