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.
Borderless home loan financing will enable hundreds of millions of people around the world, living in countries with weak financial systems, to become homeowners, grow their assets, and pass on inheritance to their family.
William Lewis - Director
A financial system where individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit and insurance – delivered in a responsible and sustainable way. A lack of financial inclusion is the single greatest barriers holding back residents of third world countries from advancing in the global economy. A large portion of the world’s population does not have access to financial systems that are financially inclusive which perpetuates economic inequality.
In many cases, highly credit-worthy individuals who live in these countries get unfavorably grouped together in the banks credit collection rate algorithms, and are required to pay unreasonably high interest rates relative to the risk associated with their creditworthiness. Financial inclusion opens up opportunities for economic advancement that perhaps no other intervention can, and has a significant impact on a family units ability to grow wealth and pass on inheritance.
One of the core tenets of blockchain technology is a leveling of existing playing fields to create a fair, transparent and secure decentralized-market for all to use. Viva’s technology has been a dream of blockchain visionaries since the inception of Bitcoin, and it is now on the verge of becoming a reality. Viva can open possibilities for millions of people in the world who have been subjected to unfair credit evaluation based on their geographic location, by entitling all of its users to the four pillars of financial inclusion.
By introducing the free-market and international capital, Viva allows credit worthy homebuyers to access mortgage financing without needing to rely on their local financial systems
Savings generated by circumventing local financial systems and their exorbitant fees are estimated to range between 20-40% of the total interest expense – meaning, simply by avoiding the current inefficiencies, Biba can save homebuyers hundreds of thousands of dollars over the course of their loan.
For the first time, Viva introduces foreign capital to mortgage loans, leading to more options and better deals for homebuyers.
By allowing a free market of lenders to decide if the mortgage is approved, borrowers can enjoy complete transparency in the loan approval process and completely avoid the old, cumbersome process.
Viva mortgage loans are paid with fiat currency and wire transfers, just like a regular loan – making the platform easy to adopt and globally scalable.
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