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.

Pre-Sale

ETH hard-cap:

6,870 ETH

Pre-Sale Round 1

Token bonus:

40%

ETH raised hard-cap:

500 ETH

Pre-Sale Round 2

Token bonus:

35%

ETH raised hard-cap:

2,570 ETH

Pre-Sale Round 3

Token bonus:

30%

ETH raised hard-cap:

6,870 ETH

Main Sale Begins

ETH raised hard-cap:

68,770 ETH

STAY CONNECTED

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Pre-Sale Is Live

+35% Bonus Ending Soon

Get VIVA Now!

A Peer To Peer Mortgage Crowdfunding Platform

Buy a home using blockchain technology

A peer to peer mortgage crowdlending network.

PRE-SALE IS LIVE

35% Bonus Round Ending In

7days
19hours
01minutes
34seconds

Contributions 52,860,058 VIVA

Get VIVA

51,456,252 VIVA

Track on Etherscan

Hard cap: 350 million VIVA

Ratings

topicolist viva
Rated

Hot

icoholder
Rated

4/5

Viva Network ICO rating
Viva Network ICO rating

Why VIVA?

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

Reviews

What People Are Saying

“Viva’s Fractional Mortgage Share offering will be the most disruptive technology the financial system has seen in decades. This is a company that has the ability to restructure the way people buy & finance homes around the world.”

Ryan Kromer, CEO of Granaway Wealth Management

“International crowdfunding of mortgages through blockchain solutions can provide benefits for all of the parties involved… Sizeable and committed team with relevant experience…”

TopICOlist.com

“VIVA is a STRONG BUY! We are about to see an ‘Uber effect’ in the mortgage industry with this project - a 31 trillion dollar industry! …A fixed supply and big expected demand are what will make VIVA skyrocket when its hits the exchanges!.”

Stephen Thomson, Chairman of BPHL [BPH.BH]

“The MVP is amazing and extremely useful! I use it many times a week and can’t wait for the real deal!”

Ben Rego, Rego Sotheby’s Realty

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

The Royal Gazette Newspaper

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

BitcoinExchangeGuide.com

Documents

Plans + Technology

Crowdfunding homes 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.
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Exchanges

We plan to be listed on

Technology

Enterprise grade + cutting edge

Blockchain-oriented

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.

News

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.

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Roadmap

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.

Future

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

Chief Strategy Officer

Wilson Carter

Chief Marketing Officer

Greg Maybury

Accounting Manager

Katherine Masters

Director of Public Relations

Jeff Hooton

Full Stack Developer

Blake Carter

Director of Business Expansion

Alex Brown

Financial Advisor

William Lewis

Director

Linc Kupke

Assistant Architect

Nikolai Paloni

Branding Expert

Kenneth Thomson

Real Estate Analyst

Advisors

Who We Listen To

Dennis O'Connell

Global Architect, CTO

Stephen Thomson

Real Estate Developer, Entrepreneur

Marlon Weems

Director of Business Development, MARBIONC

Gilbert Darrell

Blockchain Entrepreneur

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 Generation Event

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

Get VIVA Now

Pre-Sale Is Live

29%

52,168,404 VIVA

Track on Etherscan

Hard cap: 350 million VIVA

Round 2 Cap

2,570 ETH

Round 2 Bonus

35%

Round 2 Value

1 ETH = 48,309 VIVA

35% Bonus

Pre-Sale Round 2

Ends In

Round Cap

2,570 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).

FAQS

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 and China 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?

Pre-Sale Round 1: 40% Bonus
Pre-Sale Round 2: 35% Bonus
Pre-Sale Round 3: 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.
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