Viva Network


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 value of each mortgage - as opposed to a bank - we expect to see more fairly priced mortgages. The Viva platform will be leveraged by those in the developed and developing worlds alike, thereby enabling the world to take a large step toward geographical wealth equality - by breaking down the barriers and leaving both parties better off.

Viva’s mission is to disrupt the mortgage industry by allowing home buyers and sellers to set the terms themselves. Any individual, from any country in the world, will have access to credit financing for home loans via a decentralized, open market network on the Viva Platform.

Additionally, Viva’s function as an investment and savings platform accessible with just a mobile phone means all users of Viva will have access to credit financing, a savings and investment account, and standard blockchain-backed secure transaction services - regardless of what country they live in.


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.


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.

August 2017

Exploratory data and feasibility analysis.

November 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.