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