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.
Tokenization is the future of securities, and mortgage backed securities are long overdue for improvement. Putting real world assets on the blockchain, and tearing down the ages old-barriers in the securitization industry is a valuable proposition and has the ability to create trillions of dollars in the global marketplace.
William Lewis - Chairman, TLM Group
Introducing an entirely new way to finance a home. The Viva Mortgage Platform™ is a crowdfunding platform that allows users to originate their mortgage capital requirement by connecting them with thousands of lenders from all around the world. Streamlining the traditional process and, for the first time, introducing international capital to borrowers in regions with inefficient credit systems. The Viva Mortgage Platform™ allows users to apply for a mortgage from the free market, completely eliminating the need to rely on financial intermediaries, banks, and other expensive middlemen.
Once your mortgage application has been approved by an internal and third-party credit approval process, it is then securitized (“Tokenized”) into thousands of Fractional Mortgage Shares (FMS). These FMS are submitted to the Viva Mortgage Platform™ for a maximum period of 10 business days.
Yes, thats right. With Viva, you decide your interest rate. It must pass a minimum investment grade rating by our internal mortgage underwriters, but otherwise its up to the free market whether your loan is approved or not.
Many countries around the world only have one or two loan providers that can facilitate mortgage loans, leading to price gouging, long waits, unfriendly customer service, etc. By introducing another option, local financial services companies will be forced to adapt and compete, leading to better conditions for consumers.
Investors on the Viva Mortgage Platform™ purchase Fractional Mortgage Shares in USD equivalent digital assets; mortgages are issued and the homes are purchased in USD; and homebuyers make their monthly payments in USD to their local Viva Hub. Therefore, Viva can grow and scale now, while being ready for the future - when cryptocurrencies and other digital assets are more commonplace and widely used in day to day activities.
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