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

Token Sale Progress

Total Sold: VIVA ( $ )

Main Sale Is Live!


We Accept

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  • Also featuring innovative applications, designed to improve the current & outdated Property Appraisal and Credit Scoring processes.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


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.

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.


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).



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.

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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.

Viva Network Holdings Limited is a Bermuda based company with registration number LC51900 (“The Company”). This is the Website for The Company’s proposed project the Viva Network Platform as described in the TERMS AND CONDITIONS RELATING TO THE TOKEN GENERATION EVENT (“T&Cs”). The phrase 'Pre-Sale' and 'Main Sale' as used on this webpage, refers to the Early Contribution Period and Main Contribution Period of the Token Generation Event, respectively, as further detailed in the T&Cs. The Company’s Token Generation Event (“TGE”), White Paper and any other documents related to the TGE or the Viva Network Platform (including all information found on this web page) do not constitute a prospectus or offering document and are not an offer nor the solicitation of an offer to buy an investment, security, share, equity interest or debt nor a derivative interest of any of the foregoing. All information on this Website and all documents linked to this webpage (other than the T&C, Terms of Use and Privacy Policy) are “Project Documentation” (as defined in the T&Cs). VIVA Tokens are a functional good (as described in the T&Cs). VIVA Tokens are not intended to be a digital security, security, commodity, bond, debt instrument or any kind of financial instrument or investment carrying equivalent or similar rights, nor are the VIVA Tokens intended to represent any form of money in any jurisdiction, nor any representation of money (including electronic money). Accordingly, any protections offered by applicable law in relation to the receipt, purchase, holding and/or sale of the abovementioned instruments and investments shall not apply to any contribution or purchase made during the Token Generation Event. The Company is not licenced in any jurisdiction. The Token Generation Event involves the development and use of experimental software and technologies that may not achieve the objectives specified in the White Paper, this website, the Project Documentation or any other related documents. The purchase of or contribution for VIVA tokens represents a high risk to any purchaser or Contributor (as defined in the T&Cs). All Core Team Members (as displayed on The Website) are considered “Project Sub-contractors” for the proposed project, the Viva Network Platform (See T&Cs for more details regarding the Viva Network Platform). Advisors are not affiliated with the company in any way. The position beneath Core Team Members image is not a representation of their full time positions or occupation in relation to The Company. You can find more information regarding this Website in the Terms of Use and Privacy Policy.