Viva
Viva
Token: VIVA


Decentralized Home Loan Financing

ICO dates
Start date: 2018-04-01
End date: 2018-08-14

Registrated in: Bermuda

Platform: Ethereum
Type: ERC20

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Viva categories
Business services Investment Platform Real estate Smart Contract Software
Viva whitepaper
Video
Viva token sale
KYC passing required Yes | Whitelist No | Restriction for countries USA, China
Hard cap 68,770 ETH
Tokens for sale 3,000,000,000
Price 1 ETH = 50,000 VIVA
Minimal investment 0.001 ETH
Acceppting ETH
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Random whitepaper excerpts

This document is the Viva Network Platform White Paper, it is part of what is defined in the Terms and
Conditions as “Project Documentation”. This document aims to describe some of the Viva Network
Platform’s applications, functions, operations and uses. The information contained within this document
is of a descriptive nature only, it is not binding and does not form part of the Terms and Conditions.
A copy of the Terms and Conditions has been attached at the end of this document as a reference.
DISCLAIMER
DISCLAIMER
THIS DOCUMENT SETS FORTH THE DESCRIPTION OF THE PLANNED ‘VIVA NETWORK PLATFORM’
AND ‘VIVA TOKENS’. THIS DOCUMENT IS BEING PROVIDED FOR INFORMATIONAL PURPOSES ONLY.
THIS DOCUMENT IS NOT A BINDING LEGAL AGREEMENT OR DOCUMENT OF A SIMILAR NATURE.
THE VIVA TOKEN GENERATION EVENT SHALL BE GOVERNED BY A SEPARATE LEGAL AGREEMENT
“TERMS AND CONDITIONS” AVAILABLE ON THE VIVA NETWORK WEBSITE. IN THE EVENT OF A
CONFLICT BETWEEN THE “TERMS AND CONDITIONS” DOCUMENT AND THIS ...

Abstract
Viva is a transformative financial technology that introduces large-scale decentralized
mortgage financing to the world. Viva’s platform will utilize smart contracts to
crowdfund home loans, connecting borrowers and investors directly within a
decentralized, trustless 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 a 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 – b...

CONTENTS
Introduction
Use cases
5
4
Vision
Mission
What is financial inclusion?
6
6
6
Our Story
Viva’s Three Cornerstones
8
7
Viva Mortgage Financing
The Market
Credit origination and oversight
9
9
10
Key roles of Viva Hubs
11
12
VIVA Framework - Mortagage application process
What are Fractionalized Mortgage Shares?
14
Risk Factors associated with Fractionalized Mortgage Shares
15
Fractionalized Mortgage Shares’ Yields
16
Mortgage Crowdfunding
16
Viva FMS Exchange Application
17
RV2 Decentralized Home Valuations
18
Technical Valuation Information Providers
20
V-Score - Decentralized Credit Scoring
21
Viva’s Profit Model
23
Expansion of scope
23
Phases of development
24
Viva Tokens
26
Intended Functionality of Viva Tokens
Viva Hub...

4
VIVA
Borderless home loan financing network
INTRODUCTION
The Viva Network is a decentralized ecosystem that
connects mortgage borrowers with global investors
within a borderless, blockchain-secured cloud
platform. Viva’s innovative technology uses Ethereum
smart contracts to underwrite and securitize private
home loans into Fractionalized Mortgage Shares
(FMS) which can easily be bought and sold on the Viva
FMS Exchange (a Secondary Market Exchange)
application.
Using Fractionalized Mortgage Shares, The Viva
Network allows investors to crowdfund mortgages of
home buyers from anywhere in the world, making the
process quicker and easier for homebuyers. With the
ability to efficiently access the free market, both
parties will now be able to capitalize on international
interest rate arbitrage and obtain lower interest rate
mortgages and higher returns on investments.
This will all take place seamlessly on the Viva Platform,
an...

5
VIVA
Borderless home loan financing network
Use cases
Case 1
Mortgage Seeker
A prospective homeowner in Sao Paulo, Brazil is
seeking a mortgage for her dream home. But local
banks are charging over 10% interest on their
mortgages and requiring wait times of over three
months, so she turns to the Viva Network for a home
loan.
After approval from a network of accredited
third-party assurance services and a comprehensive
internal credit approval process, her mortgage is
uploaded to the Viva Network and crowdfunded by
hundreds of private investors from all over the world.
Case 2
Private/Institutional Investors
An intelligent hedge fund manager in the United
States chooses to directly invest 5% of her portfolio
in foreign private mortgages on the Viva Investor
Marketplace. She knows that since Viva uses
technology to cut out the middlemen, the returns are
much higher than traditional Mortgage Backed
Securiti...

6
VIVA
Borderless home loan financing network
Vision
We believe that the most effective solution for global
economic wealth disparity is the advancement of
technology. Blockchain technology is an innovation
that has already proven its ability to decentralize and
disrupt some of the largest industries in the world.
Viva aims to revolutionize the antiquated mortgage
lending industry by cutting out the middlemen and
decentralizing the process, thereby applying a
fundamentally more accessible and transparent
approach to financing. We believe that Viva’s
technology will increase the availability of credit for
borrowers and for the first time allow
non-institutional investors to participate in the
consistent, asset-backed returns associated with
mortgage investments, a product that has
traditionally been reserved solely for large financial
institutions.
Furthermore, by allowing the free market to dictate
the risk and associated ...

7
VIVA
Borderless home loan financing network
OUR STORY
The need for a service like Viva became clear when a
member of our team recalled an experience he had
years earlier trying to buy a home. He first attempted
to purchase in Bermuda, but was quoted an all-in
interest rate in excess of 6% on a fixed 20 year term
loan. This compared unfavorably with buying a home
in the United Kingdom, for example, where he would
be quoted a sub-2% interest rate on a mortgage with
similar parameters: the same buyer, buying a property
of similar value. Understandably each country bears
its own economic risks, which - holding all else equal
- would warrant different required returns to the
lender. This, however, was not the primary cause of
the three-fold disparity which stemmed primarily
from the lack of competition in the local banking
industry, and inefficient global capital markets that
prohibit cross-border financing.
Since the invention of bl...

8
VIVA
Borderless home loan financing network
Viva’s Three Cornerstones
The Viva Network will use decentralized technologies to improve
three key sectors of the current mortgage process.
1. Mortgage Financing
Residential Homebuyers
The Viva Network will enable its users to obtain a
residential property loan (mortgage) from a network
of global crowdlenders. For the first time, regular
homebuyers will have an alternative means of
financing their home purchase; eliminating the need
for traditional local banks by providing access to a
global, decentralized marketplace of potential
investors. Using a proprietary smart contract enabled
crowdfunding system, borrowers will have access to
the free market – providing the potential to acquire
home loans quickly and easily with much more
favorable terms. Through this process a more
attractive option is created, allowing for innovation
and technology to bypass inefficiencies in the local

Viva Roadmap

1
May 2016
Inception of original idea.
2
June 2017
Exploration of blockchain ecosystem to identify suitable core technologies.
3
July 2017
High level, service-oriented architectural planning of the Viva Platform.
4
August 2017
Exploratory data and feasibility analysis.
5
November 2017
Developed the Real Value 1.0 Home Valuation Algorithm.
6
Q1 & Q2 - 2018
Launch of Token Generation Event and development of MVP. Initiate large-scale marketing campaign.
7
Q3 - 2018
Develop Real Value 2.0 Application. Obtain legal and regulatory licenses.
8
Q4 - 2018
Launch Real Value 2.0 application. Finalize proprietary ML algorithms.
9
Q1 - 2019
Begin incremental launch of the Viva Network Platform.
10
Q2 - 2019
Launch the Viva Network Platform and successfully crowdfund first home loan with Viva mortgage financing system.
Christian Fiddick
Christian Fiddick Chief Architect

Nick Thomson
Nick Thomson Chief Executive Officer

Benjamin Erichsen
Benjamin Erichsen Chief Operating Officer

Paul Montero
Paul Montero Chief Financial Officer

David Erichsen
David Erichsen Chief Technical Officer

Tarek Waked
Tarek Waked Chief Strategy Officer

Wilson Carter
Wilson Carter Chief Marketing Officer

Katherine Masters
Katherine Masters Director of Public Relations

Jeff Hooton
Jeff Hooton Full Stack Developer

Blake Carter
Blake Carter Director of Business Expansion

Alex Brown
Alex Brown Financial Manager

William Lewis
William Lewis Director

Linc Kupke
Linc Kupke Assistant Architect

Nikolai Paloni
Nikolai Paloni Branding Expert

Kenneth Thomson
Kenneth Thomson Real Estate Analyst

Cameron Smith
Cameron Smith Digital Advertising Specialist

Jesse Beohm
Advisors Jesse Beohm

Jeremy Swan
Advisors Jeremy Swan

James Anfossi
Advisors James Anfossi

Josh Hebb
Advisors Josh Hebb

Stephen Mayor
Advisors Stephen Mayor

Todd Barclay
Advisors Todd Barclay

David Lorek
Advisors David Lorek

Alex Brown
Alex Brown
Financial Manager
Financial Manager
Benjamin Erichsen
Benjamin Erichsen
Chief Operating Officer
Chief Operating Officer
Blake Carter
Blake Carter
Director of Business Expansion
Director of Business Expansion
Cameron Smith
Cameron Smith
Digital Advertising Specialist
Digital Advertising Specialist
Christian Fiddick
Christian Fiddick
Chief Architect
Chief Architect
David Erichsen
David Erichsen
Chief Technical Officer
Chief Technical Officer
David Lorek
David Lorek
Dennis O'Connell
Dennis O'Connell
Jeff Hooton
Jeff Hooton
Full Stack Developer
Full Stack Developer
Jeremy Swan
Jeremy Swan
Katherine Masters
Katherine Masters
Director of Public Relations
Director of Public Relations
Kenneth Thomson
Kenneth Thomson
Real Estate Analyst
Real Estate Analyst
Kishan Sudusinghe
Kishan Sudusinghe
Linc Kupke
Linc Kupke
Assistant Architect
Assistant Architect
Nick Thomson
Nick Thomson
Chief Executive Officer
Chief Executive Officer
Nikolai Paloni
Nikolai Paloni
Branding Expert
Branding Expert
Paul Montero
Paul Montero
Chief Financial Officer
Chief Financial Officer
Ryan Kromer
Ryan Kromer
Stephen Mayor
Stephen Mayor
Tarek Waked
Tarek Waked
Chief Strategy Officer
Chief Strategy Officer
Todd Barclay
Todd Barclay
William Lewis
William Lewis
Director
Wilson Carter
Wilson Carter
Chief Marketing Officer
Chief Marketing Officer