VIVA NETWORK, HOW IT WORKS.

VIVA Network Introduction

The Viva Network connects mortgage applicants with global financiers inside a border-less, blockchain secured cloud platform in a decentralized system.
Ethereum smart contracts will be used to endorse and securitize private home loans into Fractionalized Mortgage Shares (FMS) which can easily be bought and sold on the Viva FMS Exchange application by Viva network.
The Viva network will let investors to crowd fund mortgages using fractionalized mortgage shares. And this will make the process faster and convenient for home-buyers.
Viva’s Three Cornerstones

Mortgage Financing
Main cornerstone of The Viva Network is that users can take a residential property loan (mortgage) from a grid of international crowd lenders. From this, normal homebuyers will have an option of funding their home acquisition.
Residential Property Valuations
Using the Real Value 2.0 Application of the Viva network, existing home valuation process will be improved and it will give an unbiased, algorithm-based home valuation using the current market data and artificial intelligence technologies and VIVA tokens can be used to pay the selected properties.
Credit Scoring
Using V-ID which is a transparent and traceable digital identification Viva network users can build their Viva credit profile on the V-Score application. V-Scores will improve the current, inefficient credit scoring process Viva network users to setup a reliable credit score regardless of national borders and the permission of other centralized credit agencies.
Development Plan
Phase 1
Continuous improvements and development of proprietary decentralized applications like the Real Value 2.0 Home Valuation App. In this phase Viva network will be focused on creating a valuable working model in our test market, before launching to additional markets.
Phase 2
In this phase Viva network will be Expand their marketing and promotional campaigns using large scale partnerships and acquisitions for the adoption of The Viva Network on an international scale. In 2019, they are planning to expand their operation to the first five countries that provide the most opportunistic risk/reward profile for FMS investors.
Phase 3
Viva network hoping that their applications to be self-evolving and completely decentralized, with all three primary systems working collectively by 2022. Further they will be expanding their network worldwide by 2022 to attract more market.
Phase 4
Viva networks final goal and their long term target is to make The Viva Network a global household name, completely decentralizing the mortgage process and eliminating the need for home-buyers to seek financing from traditional banks.
Token Generation
There will be 4 Billion tokens, and below diagram shows how those will be distributed;