VIVA Review - Decentralized Home Loan Financing

Viva is a network that connects home buyers directly to mortgage investors without a 3rd party involved. By doing this the powerful central authorities like the banks no longer play a part in the process which benefits both the parties equally.

Viva is a decentralized ecosystem where the investor can lend safely to a mortgage borrower living anywhere around the world with higher returns on investment and the borrower getting Lower interest rates. How is this possible? Well as there is no 3rd party involved there is no fees or unavoidable payments made to any huge bank or a firm. The Ethereum smart contracts is used to secure the investment process(more on this in the whitepaper) which will be very effect considering how secure the smart contracts are.

Whitepaper

The 80 page whitepaper is everything you will need to understand how Viva works and how its different from the rest. The whitepaper is descent, clean and looks good as well as very understandable even though it goes to some technical stuff in between, you never really feel lost. I went over the whitepaper several times just to make sure if I missed anything, is there an error of some kind, but i found nothing of that sort. In fact I highly recommend you to check it out at least once and tell me what you think about it. One whitepaper you will want to read over and over just because it looks so beautiful, clean and to the point! I will give the whitepaper a 9/10.

Team

The team consists of 28 members(advisors included) which is more than enough for a stable growth of the project. The CEO of Viva Nick Thomson has a active LinkedIn and Twitter profile which means they weren't just created for the sake of this project. If you look at the introductory video on the website, the team members are confident and are able to tell about Viva fluently and with passion. The team members are experienced in the field and have been working in the business for many years. The Chief Operating Officer has over a 20 years of experience constructing and utilizing financial products trading algorithms, consulting in risk management; database management and machine learning! The team deserves a rating of 9/10!

Website

Nothing too fancy here, its just my personal opinion but to be honest I didn't like how simple looking the website is, they could have put a little more effort here. However, it has all the necessary sections and descriptions so its not much of an issue. Also, I did not like the footer, that text could have been added somewhere else. The website gets a 6/10 from me.

Token Sale

The main sale is currently ongoing and will end on September 18th, 2018 or if the hard cap is reached. The hard cap is 68,770 ETH. VIVA is a ERC20 token that runs on the Ethereum blockchain. Round 1 of token sale with 25% bonus is active and will go on until 11,200 ETH have been contributed or for 20 days. The next bonus stage will be 15% till 33,070 ETH goal has been achieved. After that the bonus depends on how much you invest in 5%, 10% and 15% stages. 75% of total supply will be distributed in private and public sale. Only Ethereum is accepted at the payment gateway of the token sale so make sure to exchange any other cryptocurrency you have for ETH to contribute in VIVA.

Final thoughts

I would like to go over the more technical aspects of Viva as it really interests me but the article is written for those looking to invest in the ICO and use the platform in near future. Everyone wants a place they can call home, Viva just makes it simpler to achieve this dream. The potential in the project is very high and with right implementation of the ideas this will be one fine opportunity. Lets go over a few more reasons to get in before we give a final rating, around 20k Telegram community members, more than 15k twitter followers, regular updates on the development of the project and a interactive and friendly user base helps Viva win the crown! I would like to give Viva a 9.6/10 rating for all the good things that I love about the project.

Links:
Website: https://www.vivanetwork.org
Whitepaper: https://www.vivanetwork.org/pdf/whitepaper.pdf
Twitter: https://twitter.com/TheVivaNetwork
Facebook: https://twitter.com/TheVivaNetwork
Medium: https://medium.com/@VivaNetwork
GitHub: https://github.com/viva-network
Telegram: https://t.me/Wearethevivanetwork

Bitcointalk Username: joiker
My Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=1670619