Join the Viva Network

The Viva Network actively seeks to integrate and synergize with other decentralized fintech providers. We believe it is in the interest of both the industry and our clients to encourage a diverse and thriving ecosystem of connected financial services and partnerships.

The Viva Platform is exposed through RESTful APIs in order to facilitate this. We also may be willing to work with you to make viable and valuable integration opportunities a reality if our APIs do not support your cause yet.

Please contact us at [email protected] for more information.


ETH hard-cap:

6,870 ETH

Pre-Sale Round 1

Token bonus:


ETH raised hard-cap:

500 ETH

Pre-Sale Round 2

Token bonus:


ETH raised hard-cap:

2,570 ETH

Pre-Sale Round 3

Token bonus:


ETH raised hard-cap:

6,870 ETH

Main Sale Begins

ETH raised hard-cap:

68,770 ETH



Pre-Sale Is Live

Current Bonus +40%

Get VIVA Now!

Introducing peer to peer mortgage crowdlending

A better way to buy a home

Viva is the future of mortgage financing.

Our Mission is to disrupt the 31 trillion dollar global mortgage industry by introducing a faster, cheaper, and more transparent way to buy a home. Viva has pioneered a proprietary mortgage financing technology. Using smart contract infrastructure, Viva's financing system connects home buyers directly with private lenders from anywhere in the world - eliminating the need to rely on banks to get a mortgage.


40% Bonus

“Viva’s Fractional Mortgage Share offering will be the most disruptive technology the financial system has seen in decades.”

Ryan Kromer, CEO of Granaway Wealth Management

“VIVA is a very real platform with a real team and probably one of the better ICOs to keep an eye on…”

“Mortgages backed by crowdfunding capital on a global scale has enormous disruptive potential.”

The Royal Gazette Newspaper

Watch The Video


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

Nick Thomson, CEO of Viva Network

entrepreneur viva


Plans + Technology

Crowdfunding mortgages on the blockchain

  • 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.
Join Pre-Sale


We plan to be listed on


Enterprise grade + cutting edge


Mission-critical data, transactions and appraisals will be backed by blockchain technology. Ethereum smart contracts and BigchainDB at our core enable decentralization in a highly secure, resilient, transparent, and trust-less environment.

AI/ML Powered

Embracing Machine Learning capabilities to provide insights and recommendations, The Viva Network will empower clients like never before, from risk classification to fractionalized mortgage portfolio fund placement and selection.

Robust Microservice APIs

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

Cloud Scalability

Built to harness elastic cloud scalability through containerization in preparation for large scale adoption of the platform, this will enable low-latency, high-throughput fractionalized mortgage trading with high availability.

3rd Party FinTech Integration

Designed to accelerate alternative finance trends by seeking integration with complimentary providers from decentralized credit rating to generalized blockchain asset portfolios.

Big-Data Ready

The Viva Network Platform will utilize AWS for an infrastructure capable of processing vast amounts of mortgage, property, and trading pattern datasets for Machine Learning analytics that will evolve a uniquely intelligent platform.


Press loves us

Viva Network Mobile Apps

Along with a sophisticated web-based platform, we will develop Android & Apple apps to connect users with unparalleled ease and efficiency. From ERC20 wallets to mortgage listings to portfolio building, The Viva Network embraces a mobile-first design - essential for developing countries with primarily mobile internet access.

The revolution of mortgage financing is here.

Viva is an innovative financial technology company that introduces large-scale decentralized mortgage financing to the world. The Viva platform will utilize smart contracts to crowdfund home loans, connecting borrowers and investors directly within a decentralized, trust-less 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 the 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.

The failure of the banking system in 2008 yielded the world’s first ever cryptocurrency and began the process of decentralizing the power held by financial conglomerates. Viva intends to finish the job – by leaving the inefficient, centuries-old financing system where it truly belongs: in the past.




May 2016

Inception of original idea.

June 2017

Exploration of blockchain ecosystem to identify suitable core technologies.

July 2017

High level, service-oriented architectural planning of the Viva Platform.

Aug 2017

Exploratory data and feasibility analysis.

Nov 2017

Developed the Real Value 1.0 Home Valuation Algorithm.


Q1 & Q2 - 2018

Launch of Token Generation Event and development of MVP. Initiate large-scale marketing campaign.

Q3 - 2018

Develop Real Value 2.0 Application. Obtain legal and regulatory licenses.

Q4 - 2018

Launch Real Value 2.0 application. Finalize proprietary ML algorithms.

Q1 - 2019

Begin incremental launch of the Viva Network Platform.

Q2 - 2019

Launch the Viva Network Platform and successfully crowdfund first home loan with Viva mortgage financing system.

Core Team

Who We Are

Christian Fiddick

Chief Architect

Nick Thomson

Chief Executive Officer

Benjamin Erichsen

Chief Operating Officer

Paul Montero, ACCA

Chief Financial Officer

David Erichsen

Chief Technical Officer

Tarek Waked

Director of Business Development

Wilson Carter

Chief Strategy Officer

Greg Maybury

Accounting Manager

Katherine Masters

Director of Public Relations

Jeff Hooton

Full Stack Developer

Blake Carter

Chief Marketing Officer

Alex Brown

Financial Advisor

William Lewis


Linc Kupke

Assistant Architect

Nikolai Paloni

Branding Expert

Kenneth Thomson

Real Estate Analyst


Who We Listen To

Stan Stalnaker

Founding Director and Chief Strategy Officer for Hub Culture; + Ultra, Ven,

Loretta Joseph

Government Blockchain Consultant, World Renowned FinTech Expert

Dennis O'Connell

Global Architect, CTO

Stephen Thomson

Real Estate Developer, Entrepreneur

Marlon Weems

Director of Business Development, FinTech Consultant

Gilbert Darrell

Blockchain Entrepreneur

Kyle Masters

Barrister & Attorney, Bermuda Regulatory Authority

Max Borders

Co-Founder Voice & Exit, Author, Executive Director at Social Evolution

Dr. Kishan Sudusinghe

Quantitative Developer

Jesse Beohm

Senior Risk Analyst

Jeremy Swan

Managing Principal, CohnReznick

James Anfossi

Senior Risk Modeler

Josh Hebb

Senior Technical Consultant

David Lorek

Senior Software Engineer

Token Sale

Join a global community of contributors and get VIVA tokens today.

Get VIVA Now

Pre-Sale Is Live


Progress 51,456,252 VIVA

Pre-Sale Hard Cap

6,870 ETH

Round Bonus


Round Value

1 ETH = 50,000 VIVA

40% Bonus


Ends In

Extended until July 1st, 2018

Pre-Sale Hard Cap

6,870 ETH

We Accept

Complete our easy, three-step registration and contribute in seconds!

Contribute Now Get VIVA Now

Token Generation Event Details

Hybrid DApp Stack

The Viva DApp will be implemented in Solidity using Ethereum smart contracts developed with Truffle and Ganache. At the web application level, we use a Node.js/Express server-stack (TypeScript) but use C++ for performance-critical algorithmic components (e.g. automated hedging bot). Our server-stack is microservice-based using Kubernetes containers on the AWS elastic cloud platform. We build our front-ends with Angular 5 and Redux (RxJS + @ngrx/store) leveraging web3.js/Geth for DApp interaction and with a mobile-centric design. Using Ionic, we are able to provide mobile clients with low additional cost. For machine learning applications we use Python and TensorFlow primarily. While the blockchain is our “persistence layer” for important financial transactions/terms (namely BigchainDB for mortgage asset/home valuation/credit rating metadata and Ethereum for transactional agreements), at the internal application level we are also backed by an intermediary in-memory Redis database.

DApp Overview

The Viva DApp can be viewed as a layer of abstraction between the user-facing Viva Network Platform applications and the Ethereum blockchain. The Viva DApp encodes the set of static rules/terms agreed to by parties involved. The blockchain holds the unchanging history of transactions restricted by those terms encoded into the smart contract. It contains important oracleized data (spread between Ethereum and BigchainDB blockchains) such as: mortgage fractional ownerships, mortgage terms, homeowner information impacting risk/credit profile, brokering information and evidence, home valuation attributes, etc. This data will be anonymized as necessary (e.g. homomorphic encryption techniques). It also defines behaviors pertaining to fractional participation of mortgage listings and their “crowdfunding” stages. In summary, the Viva DApp is a low level core backing system that other traditional webapps on the Viva Platform interact with and through (via web3.js or similar).


How can I participate in the Token Generation Event?

Wait until the Token Generation Event round you wish to participate in opens and use the registration links shown on the website. After completing the registration, KYC process and being approved to participate, you will receive further instructions for sending ETH to the Smart Contract System.

Who may participate in the Token Generation Event?

Citizens or residents of the United States of America, China, Iran, Russia, Syria, North Korea, Bolivia, Venezuela, and Cuba are strictly prohibited from participating in the Token Generation Event or making any contributions in any form or purchasing VIVA tokens in any other way. Other countries will also be prohibited as further detailed in the TERMS AND CONDITIONS. Otherwise, participation in the Token Generation Event will be available to well-informed individuals, who have adequate knowledge and understanding in this Token Generation Event and have agreed, accepted and adhered to all requirements and terms and conditions of the Token Generation Event as outlined in the TERMS AND CONDITIONS document. We make all attempts during the Token Generation Event registration process to ensure that participants are legally eligible to participate. Depending on your contribution size, we may request a very comprehensive KYC process to ensure other legal and moral requirements have been met.

What is the cost of each VIVA token?

1 VIVA Token will be distributed to contributors for every 0.000028 ETH (1 ETH = 35,714.28 VIVA Tokens) (not including Round Bonuses). For example, if ETH is valued at 1 ETH = $900, 1 VIVA token = $0.0252.

Is there a discount or a bonus during the Token Generation Event?

Private Sale Round 1: 40% Bonus
Private Sale Round 2: 35% Bonus
Pre-Sale: 30% Bonus
Main Sale Round 1: 25% Bonus
Main Sale Round 2: 15% Bonus
Main Sale Round 3: Bonus based on contribution size, as outlined below:
5% discount for contributions between .9-1.9 ETH
10% discount for contributions between 1.9-2.9 ETH
15% discount for contributions between 2.9-7 ETH
Please see our TERMS AND CONDITIONS for more details.

What is the VIVA token allocation?

75% of the total supply of VIVA Tokens will be allocated to the Token Generation Event. The remaining 25% of Tokens will be distributed as follows:
  • 7.5% - Team allocation (vested for 1 year)
  • 3.75% - Marketing and Private Contribution Allocation
  • 3.75% - Advisors allocation (unvested over three months)
  • 10% - Reserve fund allocation
Please see our Token Generation Event document for more details.

What happens to the tokens in the event that any are left unsold?

The unsold tokens will be burned automatically by the Smart Contract System.

Is there a minimum/maximum purchase size?

The minimum ETH contribution allowed by the Smart Contract System will be 0.001 ETH and the maximum ETH amount allowed without a more extensive KYC process will be 7 ETH.

Which forms of contribution are accepted during the Token Generation Event?

Since the VIVA token is an ERC20 compliant token and the token distribution is done automatically via the Smart Contract System, we can only accept Ethereum contributions (ETH).

Can I participate through Coinbase?

It is not possible to particpate in the Token Generation Event from Coinbase. ETH must be transferred to an ERC20 compatible wallet and then to our Smart Contract System address. This is the procedure to contribute ETH purchased from Coinbase:
  1. Buy ETH on Coinbase.
  2. Transfer ETH to a compatible wallet such as MyEtherWallet.
  3. Register and be approved by our Token Generation Event registration process.
  4. Send ETH from MyEtherWallet to the Smart Contract System address as per the Token Generation Event registration instructions.

What are the ERC20 compatible wallets?

To participate in the Token Generation Event you will need a compatible wallet. The following wallets are known to be compatible with ERC20 compliant tokens (including VIVA Tokens):

Do we receive VIVA tokens during the Token Generation Event?

Yes. The Smart Contract System has been designed to immediately send VIVA Tokens to the contributor’s specified ETH wallet address. Although, they will be subject to a “frozen period” in which they may not be transferred outside of that address until the Token Generation Event has concluded and they have been released. Please refer to the TERMS AND CONDITIONS for a more detailed and accurate description of this process.

Which exchanges will VIVA tokens be listed on?

We cannot say which exchanges VIVA tokens will or will not be listed on at this time. Any updates regarding exchange listings will be posted promptly on the Website. We can say that if the project is as successful as we hope it will be, VIVA tokens will be a very attractive token for exchanges.

Is there a vesting period for team tokens?

Yes, there will be a vesting period for the team tokens of 1 year from the conclusion of the Token Generation Event, this will be done automatically by the Smart Contract System.

Do I need to register to participate in Token Generation Event?

Yes. There will be a registration process to ensure that all contributors have a thorough understanding of the project, the VIVA token, and are in adherence within all governing laws.

Is there a bounty program I can join?

The bounty program is still undergoing legal due-dilligence but we do expect for it to be available by or before the Main Sale.
Still need an answer?

Office Location

Located In Bermuda

3 Mill Creek Rd, Bermuda

Contact Us

[email protected]

General Inquiries

[email protected]

Nick Thomson, CEO

[email protected]

Jobs & CVs

[email protected]

Marketing & Media Inquiries

Headquarters Address:

Office Suite 1
#3 Mill Creek Rd
Hamiltion, Bermuda
+1 4441-298-0198

Registered Office Address:

Victoria Place
31 Victoria St
Hamiltion, Bermuda