SyifaQhollby98: The Viva platform - using smart contracts for a crowdfund home loan

https://youtu.be/PnBxZdzro8k

What is Viva Network

VIVA is a fixed supply cryptocurrency that drives P2P Fractional Mortgage Shares technology, which is the backbone of the Viva Network's crowdfunding mortgage platform. VIVA will be trading on several major cryptocurrency exchanges and we expect an ever-increasing demand for VIVA as this revolutionary financing system gains traction among institutional investors globally

Mission

Our mission is to disrupt the mortgage industry allowing buyers and home sellers to establish self-regulation. Every individual, from any country in the world, will have access to credit financing for loan houses through Viva Platform's decentralized open market network.
In addition, Viva's function as an investment and savings platform accessible only by mobile means that all Viva users will have access to credit financing, savings and investments, and secure transactions supported by standard blockchain services - regardless of the country where they live.

Vision

We believe that the most effective solution to the global disparity of economic wealth is technological progress. Blockchain technology is an innovation that has proven its ability to decentralize and disrupt some of the world's largest industries.
Viva aims to revolutionize the ancient mortgage lending industry by cutting out intermediaries and decentralizing processes, thereby applying a fundamentally more accessible and transparent financing approach. We believe that Viva technology will increase the availability of credit to borrowers and for the first time allow non-institutional investors to participate in consistent earnings, backed by assets related to mortgage investments, a product that has traditionally been reserved for large financial institutions. Furthermore, by letting the free market dictate the risks and related value of each mortgage - as opposed to the bank - we expect to see more just the price of the mortgage. The Viva platform will be exploited by them in the developed and developing world alike,enabling the world to take a big step toward equality of geographical wealth - by breaking down obstacles and leaving both parties better.

How it works VIVA Network

Viva Platform

To get an overview of the Viva Platform Network architecture, we describe it to be a different logical unit. It's basically a collection of several separate cluster systems, often interacting via the RESTful API, with events that can be audited blockchain and smart contracts. These component representations are only for conceptual purposes only, and will be fully integrated at the user level. The main system consisting of Viva Network Platform is

Crowdfunding mortgage in blockchain

Viva uses exclusive contract technology, smart crowling technology, which will allow home buyers to obtain home currency loans
Unlimited and decentralized home loan financing would eliminate the need to rely on intermediaries such as banks and other financial intermediaries
Viva created a free market in the mortgage industry - reducing inefficiencies and allowing more affordable homeownership
For the first time, Viva will allow private investors to be accredited to have a highly profitable and asset-backed Frequency Mortalization ( FMS )
Also featuring innovative apps, designed to enhance the current and expired Credit Rating and Credit Scoring process

Technology

Grade enterprise + leading edge

Oriented blockchain

Data, transactions, and mission-critical assessments will be supported by blockchain technology. The smart contracts of Ethereum and BigchainDB at our center allow decentralization in a highly secure, resilient, transparent and trustless environment.

API Robicated Microservice

Built by software engineers specializing in designing large-scale enterprise systems, RESTful Service Oriented Architecture will enable The Viva Network to adapt to changing industry trends and opportunities with agility

Third Party FinTech Integration

Designed to accelerate alternative financial trends by seeking integration with free providers from a decentralized credit rating to a common blockchain asset portfolio

Big - Data Ready

The Viva Network platform will leverage AWS for infrastructure capable of processing large numbers of trading patterns, mortgages, and datasets for Machine Learning analysis that will develop a unique smart platform

Cloud Scalability

Built to leverage elastic cloud scalability through solidification in preparation for large-scale adoption platforms, this will enable trading low-latency, high-throughput high-throughput fractional mortgages

AI / ML Supported

Embracing Machine Learning Ability to provide insights and recommendations, The Viva Network will empower unprecedented clients, from risk classification to the placement and selection of fragmented credit portfolio portfolios.

Mobile Viva Network Application

Along with advanced web-based platforms, we will develop Android & Apple apps to connect users with unparalleled ease and efficiency. From ERC20 wallets to mortgage lists to portfolio buildings, The Viva Network embraces the first mobile design - essential for developing countries with key mobile Internet access

Credit rating of the borrower
Details of creditworthiness of the borrower include: Age, employment status, payment history, credit score, income, other relevant financial liabilities, ability to pay the debt ( interest coverage ratio )
Two standard, risk-based ranking algorithms ( Grading System 1 and 2 )
All asset details include: Value, address / location, size, age and quality of physical structure, homeowner level of insurance, etc
Standard Viva Recommendation Provisions
All terms of the mortgage contract include : duration, yield, interest rate ( and date of VIVA / USD FX rate at that date ), loan - to - value at the underlying facility, etc.

The revolution of mortgage financing is here.

Viva is an innovative financial technology company that introduces large scale decentralized mortgage financing around the world. The Viva platform will use smart contracts for a crowdfund home loan, connecting borrowers and investors directly in a decentralized no-trust ecosystem. Utilizing ultra-secure blockchain transactions, Viva cuts intermediaries, resulting in a more lucrative and efficient lending process for all.

Viva allows the free market to determine the interest rate on the borrower's mortgage and eliminates the need for banks and other financial intermediaries. By eliminating inefficiencies in the local financial system, mortgage interest rates will be more fair and accurate reflecting the level of risk associated with the true value of the asset.

The failure of the banking system in 2008 resulted in the world's first cryptocurrency and initiated a process of decentralizing power held by financial conglomerates. Viva intends to finish the job - leaving behind the inefficient and centuries-old financing system in which it actually belongs: in the past.

https://youtu.be/QBRfmPqSxwA

VIVA TOKEN

VIVA Tokens ( VIVA ) is a toll-based ERC20 Ethereum blockchain, designed to provide utilities in the exclusive application of The Viva Network Platform. VIVA will initially be distributed, to the early adherents of our vision to the Viva Network Platform, in recognition of the contributions made during Token Generation Events. If we successfully carry our vision of the Viva Network Platform to the results, we intend for VIVA to provide token holders with many valuable functions as described in the White Book. Going forward, we intend to create an internal economy within The Viva Network and its ever-evolving platform application, where VIVA will act as an " in-app currency " that serves as an integral driving force for incentive-based ecosystems

Distribution Token

Total number of tokens : 4 billion VIVA

75% - Token Generation Event
7.5% - Team Allocation
3.75% - Advisory Allocation
10% - Fund Reserve Allocation
3.75% - Allocation of Marketing Contribution, Bounty, and Private

Token Generation Event Details

Hard Cap Generation Token Generation : 3,000,000,000 VIVA tokens

Pre-Sales

Hard - cap ETH : 6,870 ETH

Pre-Sales Round 1

Bonus tokens : 40%
ETH lift hard - cap : 500 ETH

Pre-Sales Round 2

Bonus tokens : 35%
ETH raised hard - cap : 2,570 ETH

Pre-Sales Round 3

Bonus tokens : 30%
ETH lifted hard - cap : 6,870 ETH

bonuses that will be able to get

Private Sale Round 1: Bonus 40%
Private Sale Round 2: 35% Bonus
Pre-Sales: Bonus 30%
Main Sales Round 1: 25% Bonus
Main Sales Round 2: 15% Bonus
Main Sales Round 3: Bonus based on contribution size, as outlined below:
5% discount for contribution between 0.9-1.9 ETH
10% discount for contribution between 1.9-2.9 ETH
15% discount for contribution between 2.7-7 ETH

minimum purchase

The minimum ETH contribution allowed by the Smart Contract System is 0.001 ETH and the maximum amount of ETH allowed without the wider KYC process will be 7 ETH.

distribution

Because VIVA tokens are tokens that meet ERC20 and token distribution is done automatically through Smart Contracting System, we can only accept Ethereum (ETH) contributions.

erc2o wallet that you can use

MyEtherWallet ( no download required )
MetaMask ( Firefox and Chrome browser addon )
Mist ( Desktop )
Parity ( Desktop )
imToken ( iPhone / Android )
Round Cap: 6,870 ETH

We accept ETH

1 VIVA Token will be distributed to the contributors for every 0,000028 ETH ( 1 ETH = 35,714.28 VIVA Tokens ) ( excluding Bonus Rounds ). For example, if ETH is worth 1 ETH = $ 900, 1 token VIVA = $ 0.0252.

there is a registration process to ensure that all contributors have a thorough understanding of the project, VIVA tokens, and compliance in all governing laws.

Complete our easy three-step registration and contribute in seconds

so what are you waiting for, this is a great solution for your future, before I explain it all, you can also join pre-sales on our website : http://www.vivanetwork.org/ and get bonuses up to 30%. anada can also see our list of white paper / whitepaper : http://www.vivanetwork.org/pdf/whitepaper.pdf

Roadmap

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