Viva is a transformative financial technology that introduces large-scale decentralized
mortgage financing to the world. Viva’s platform will utilize smart contracts to crowdfund home loans, connecting borrowers and investors directly within a decentralized, trustless ecosystem. By leveraging ultra-secure blockchain transactions, Viva cuts out the middlemen, resulting in a lending process that is more profitable and efficient for all parties.
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.
VISION
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.
MISION
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 Market
The global mortgage fixed income market is worth approximately USD $31 trillion. Despite that huge amount of money, credit investing does not typically garner the same attention that equity investing does as it is largely restricted to institutional investors. In modernizing mortgage lending with blockchain technology, Viva will generate much deserved interest and excitement for the traditionally stale mortgage lending industry. Despite the lack of attention, the fixed income market is twice that of equities. Investment opportunities that generate an uncomplicated, consistent, and predictable return on investment are a no-brainer so it is inevitable that those who can access the mortgage market will do so with enthusiasm. Home mortgages are among the least complicated and stable of all credit instruments. Furthermore, debt that has been collateralized by homes generates the single highest yield, relative to risk, of any other class of fixed income security. When access to a market is restricted to a relatively small group, it opens the door to negative outcomes. In 2008, exotic and highly levered mortgage backed securities--created and understood only by a small cabal of Wall Street executives--sank the world’s economy. The irresponsible, unethical, and even allegedly unlawful actions of the investment banks demonstrate the importance of decentralizing a market as large and important as the mortgage market. Viva will take the power back from large institutions and put it in the hands of individuals. A free market that pairs lenders with borrowers who enter into an uncomplicated, unlevered mortgage agreement avoids the problems that led to the 2008 crisis. Viva will pioneer the decentralization of the mortgage financing industry by allowing the free market to dictate how much a mortgage is really
worth.
Token Generation Event
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Road map
Team
Join our team and buy your TOKENS VIVA and enjoy the benefits offered by the most advantageous platform in the market. Do not waste any more time and join our Telegram group so that you can communicate with us and clarify any questions you may have. Do not miss this great opportunity offered by the VIVA project.
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