Jul 1 2018
Introducing Viva, Solution For Your House Mortgage
House mortgage industry is the most valuable industry in the world since the need of the house is ever increased. The issue here is the price that is also skyrocketing due to the imbalance of supply and demand in the global market. This is due to the several factors, such as the availability of the land, the global economy and politics situation, the profile of certain areas and so forth. As the result, billions people are having a very hard time acquiring a house, where certain individual groups are having multiple houses with a very high value. This is definitely creating an economic and social disparity as more and more people need the house, where fewer people are able to acquire the house with their own money alone.
There is also a practical solution to this issue, namely the mortgage loan that could be afforded in the bank or the third party such as the person or a loan providing group that is scattered across the globe. This indeed provides a very practical solution to those who do not own a very large amount of money to purchase the house since the house usually imposes the down payment system that is very hard to be accomplished without the proper financial preparations. The mortgage loan can be achieved in a various way, but the problem will soon follow, as the interest of such loans is steadily increasing and the people financial economy are more or less unstable do the global economic change that could change in any minute. This leading to a very complicated and centralized housing market and mortgaging system that is now run by the government or the banking institution.
This could prove to be disastrous since the centralized market, should it fail, will affect thousands of other aspects and thus endangering the global economy. This already happens in 2008, where the mortgage industry is falling down due to the inability of the people to pay for their loan, and thus destroying most of a high level American and European economy back then. This is a very serious issue that needs to be tackled since the demands of the house will always increase, but the system that is built upon it needed to be decentralized so it is safer, faster and more reliable in the term of the global market.
For any further information you can access several links below:
https://www.facebook.com/VivaNetworkOfficial/
Viva as the solution for your housing needs
But the cycle could be ended with the rise of the blockchain lately. Viva network is a solution for the ever problematic housing industry that is now affecting billion of people. There is a lot of issue to the housing problem such as:
- The skyrocketing price
Prices in the most essential in the house as it become the major consideration of every person who is about to purchase a house. The price of a house is usually affected by several factors such as the land value, the availability of the public facility, the type or the size of the house and lands, and other myriad factors that are too much to be mentioned. But even the smallest and most undesired land still possesses a very high amount of money and that is very hard to come by. The platform provides the crowdfunding platform to the person who needs a fast and saves money to purchase a house, and thus the crowdfund will provide the money on certain conditions. This will disrupt the common business style where the banks and the third parties intermediaries are in play.
- The difficulty in obtaining the loan
Even if the person is able to purchase the house via a loan that is provided with the banks, the access to such a loan is very difficult and complex. More and more people are less able to have a loan to pay for the house, and thus making the people less able to have the house. This is due to the fact that the banking system is interconnected and centralized making it very fragile should the people are failing to pay for the loans of their house. Countless evidence has already emerged to show how fragile the banking institution is, and thus making it a less reliable source of money to have. For your house mortgage.
- The house appraisal
As the beginner buyer, they usually don’t understand whether a very specific type of house is worth their money and effort so that they end up purchasing a house that is too pricey and disrupting their financial capabilities. This is very problematic indeed as the housing industries are not providing the tips or the review of their economic situations, as their concerns are just to conclude a sell. The viva platform provides the very practical solution which is the counseling or the advice of the buyer of a house before buying a certain type of the house. They also review the economic impact of a family so that the family can own a house without any clear risk at their mind.
Those issues above are the most impending issues that are haunting the global housing market. This is counterproductive since the housing industries need to sell their houses as fast as possible where the people are less able to purchase the house day by day. This cycle needs to be disrupted, and that is just what this platform do, to disrupt the status quo and giving ease for the buyer of the house to gain their money so that they can have a house.
For further information related to the platform you can access the documents or the site below:
https://twitter.com/TheVivaNetwork
http://www.vivanetwork.org/pdf/whitepaper.pdf
How VIVA works
We have already seen the intro of the platform, but we will then as ourselves, how this solution is really working. This is the most natural responses to any kind of disruptive business type that happens globally. First of all, the main difference between the platform of the banking system are the terms of coverage. The banking system is a web of interconnected monetary agencies that is affecting one after another, and thus making it very fragile since the disruption in one side could have a significant impact on the other side, whether it is good or bad influences. Here are the procedures of the application at the first glance.
- Buyer propose a loan for a house
The most critical thing about purchasing a house is the loan itself, without it, so many people will just lose the ability to have a house in the oncoming years. The buyer will start proposing for a loan that is followed by several documents that are needed by the system for the verification needs. The document will be the debt, the income, or any related financial situation of a person that could be useful for the verification process.
- Verification process
Verification is the most crucial steps, as it will determine whether or not the person will have their money for the mortgage. The verification will include the professional assessment done by the team of the platform. The buyer will also directly redirected to the home seller, to provide any risk that could potentially reduce the value of the house. the home seller is also obliged to inform the buyer concerning the minor or major issues of the house such as reparations, damage, and so forth.
- Approval and appraisal
The approval of the platform is divided into two kinds, the conditional approval, and the final approval. The conditional approval is the first approval where the condition of the document have been met and the team is already approving the document to be further analyzed by the team in order to determine the fund that will be provided for the applicant. The final approval is where all kind of document is already assessed and all the condition has been met and thus making the applicant eligible to receive the fund from the platform. The appraisal is the process of appraising the true value of the house by the professional team of the platform. The appraisal process also includes the advice from the team concerning the house and so forth.
- Grading
After all sort of administration and assessment has been dealt with, the final process of the procedure is grading. Grading simply is the mechanism to grade someone financial capability that has been provided by the earlier documents. Grading will determine about the financial funds that will be provided by the platform by listing the applicants into the several grades that are available. within the system. There are ten grades from 1 to 10 and the applicants will enter one of the grades, and thus define any potential risk or changes in the term of the applicant capacity to pay the loan to the platform.
- Crowdfunding
After the grading process has occurred, the platform is now gathering the fund in order to give the applicants the money they need. After the money has been collected, the platform will receive a portion of the money where they can use it for paying the Down Payment that is required to purchase a house. the applicant then is responsible to pay the amount of money in a certain period of time, such 20 or 30 years according to their own grade. The money that has been paid by the applicants are becoming the crowdfund that will be used to fund more applicants, and thus the cycle continues.
The TGE and sales
the token that is recognized by the platform is the viva token, where the platform will provide as much as 4 billion tokens where it will be distributed in the following:
- 75% TGE
- 7.5% team allocation
- 3.75% advisors
- 10% reserves
- 3.75% marketing allocation
As for the sales of the token, typically there will be 2 main sales event that will be held by the platform, they are
- The pre-sales
The pre-sale is currently ongoing and will end in July 1st. The pre-sales or the first stage of sales will have the bonuses, just like any other platforms. The sales will be in 30 days, with ten days bonus bonuses changes interval. During the first ten days, the price will be 50 thousand tokens per one ethereum, meaning that the token will have around 40% bonus per sale. The second ten days will worth 35% bonus, meaning that the viva token will worth 48.309 tokens per one ethereum, and the last ten days will have 30% bonus, and the token is 46.511 worth per ethereum.
- Main sales
Main sales will occurs just after the pre-sales, the main sales will start at July 12th. And as for the main sales, there will be 60 days period or roughly two months of the main sales process. The main sales are also providing the bonus, though it is not larger than the early stage bonus. And unlike the first stage where the bonus is counted per 10 days, the bonus in the main sale is per quantity of the ethereal being sold. The first round of main sales will have 25% of the bonus after the 11.200 ETH has been contributed in the 20 days of the main sales. the second round will have 15% of the bonus, after the ETH that is sold reach about 33.070 ETH in the next 20 days.
To sum it up, here are the basic information concerning the sales.
- The cap of the first stage of the sales will be around 6.870 ETH. The first stage of the sales has occurred as we speak and will end on the 1st of July 2018.
- The main sales will be conducted just after the first stage of sales and will last 60 days.
- There are 4 billions of token that are being distributed to several parties, where the allocation has been covered above.
- The range of value is ranging from 50 thousand to the lowest around 35 thousand per one ethereum.
For further information, you can reach these following sites.
http://t.me/Wearethevivanetwork
https://bitcointalk.org/index.php?topic=3430485.0
Jul 1 2018
Simplifying The Realm Of E-Commerce Via ARAW Token
As the world progress, many forms of the business has been fundamentally changed, and one of them is the realm of commerce. Decades ago, we still conduct our trading mechanism with face to face or peer to peer relations between the merchant and the customer without any intermediaries. But as the advancement of the technology hits the world, the commercial process has been changed in the way of the electronic commerce or the E-commerce. This form of business are utilizing the internet to sell their products on the platform we know as the online shop. The online shop’s trends are rising dramatically to the point where most of the products that are being traded in the real trading place, is also traded in the online shop.
The tide is now favoring the online shop, where so many transactions have been conducted inside the realm of the E-commerce. There are several reasons why this trend is rising very fast, some of them are:
The cost here is the major trouble for both the customer and the merchants, and thus the mechanism of an online shop is favoring both parties. the merchant here is rewarded by the simplicity of the online shop where they don’t even need to open a real stall that is very costly and thus making the business expansion really hard. But by utilizing the online shop, they simply can open their shop anywhere in every corner of the world since the internet is a global connection. You can virtually purchase everything, in any country, regardless of the distance. Of course, the distance will make up for some of the expenses, but that kind of trading operations simply is not viable and bringing more harm than any potential prospect.
The physical stall is always limited to the size of such stall or shop, and thus making the shop is very limited in the capacity to have more items. The online shop will have no such problems since the online shop is not physically existed shop since all they need is just a warehouse that is more than enough to provide the goods that the customer asked for. The online shop also doesn’t have the issue of the goods placement, since they are online, and the goods are being publicly shown without any special effort.
In this time, you can virtually have anything without even stepping your feet outside your house. you can order almost anything, from the simple daily meal to the most expensive cars, laptop, and so forth. And this is what makes the online shop is favored by all the people since it offers the ease of the transaction, without they even need to go out and browse the good by themselves.
Unlike any physical shop that offers a little alternative, the online shop simply offers you an endless alternative to your shopping pattern. Disliking one shop? You can always choose the other online shop that exists on the internet, and so forth. Such situation is not found in the real shop since the physical shop is not just pop out of nowhere, but the online shop is always popping out. The alternatives also will have the impact concerning the prices, quality, the delivery duration, and so forth. This will result in a more personalized shopping experience where the customer is given so much freedom to determine what kind of shop that they are going to choose.
For all these reasons, the online shop is rising and blooming like the flowers in the spring. The transaction of the online shop alone has generated billions of dollar per year, and it is estimated to reach trillions of the dollar by the end of 2020. That goal is possible since more and more people are connected to the internet at that time, and thus making them a new customer of the online shop. For any further information related to the online shop, you can visit one of the links below:
https://arawtoken.io/
https://www.facebook.com/arawtoken
Problems And Solution Of Online Shopping
But the rise of an online shop does not mean that they are immune to the issues and problems. The emergence of the online shop is the disruption of the global economy and commerce situation, and thus it makes tons of issues that are facing the whole system of the electronic commerce nowadays. Here are several issues that are being dealt with by various parties and countries.
The habit of the regulation-making process is, when a new phenomenon emerges, the regulation is soon followed. It means that the regulations are always one step late and thus making the commercial chaos, at least for several following months. We can see the havoc in any developing countries such as Indonesia where the startup business is disrupting the usual business environment and thus make the riots everywhere. The government is always too late to react and thus making the e-commerce is unstable and untreated fairly. This is due to the lack of the regulation, and this situation is being handled better day by day. But there is also the over-regulation caused by the trust issues and integrity issues that are limiting the movement and spread of the e-commerce and thus hindering such business.
The platform of one big online shop is actually just a big cloud consisting myriad of an online shop that is supplying the goods and customer to the platform. But this is irony, since the big platform is relying upon the small online shop merchant, but yet they are poorly rewarded and thus making the business slow and tedious. There are several groundbreaking inventions such as the introduction of cashback and loyalty point, but that trend simply fails to influence the global e-commerce trend.
One of the main barriers for the people to purchase their goods in the online shop is the trust issues caused by the goods. There are countless complaining that occurs within the system, where the goods and the advertised goods are actually the different goods. This makes the outrage of the customer and thus leaving the e-commerce transaction and return to the old fashion way of trading methods. The trust issues here is actually declining since more and more online shop is having a better and more reliable goods quality that is worth trusting.
Fortunately, there is one invention and innovation to solve several major issues to the e-commerce and thus making the e-commerce becoming more stable and more reliable source of trading both for the merchants and the customer, namely the ARAW token. This platform is introduced lately in 2017 and also has their own mobile app. This platform is founded in the UK and soon will encompass the rest of Europe and world. This platform offers several solutions, here are some of them.
The cryptocurrency is the child of the information age. A cryptocurrency is a form of digital currency that is widely accepted and used for many forms of transaction. But unfortunately the transaction of cryptocurrency is severely limited due to the trust issues and therefore the cryptocurrency is not used by day to day transactions. The goal of this platform is to make the cryptocurrency accepted for day to day transaction and thus making the cryptocurrency have a practical uses. The platform is struggling to make countless of cooperation to introduce their own currency, called the ARAW token to be accepted widely by all the merchants and online shop all across the globe.
the main issue between the merchants and the customer to conduct their transaction using the cryptocurrency is the lack of the third party platform to accommodate such transaction. The platform is aiming to create the bridge between all trading parties such as the merchants, the customer, and the cryptocurrency in the ETH blockchain to conclude the transaction using the cryptocurrency. This mechanism is called the floating ecosystem, and this ecosystem will support a countless form of a transaction using the token.
The ARAW pay card is actually the groundbreaking invention that is occurred within the system of the cryptocurrency. This pay card is enabling the token to gain their daily and day to day function, where the other token is lacking. The ARAW token can be obtained and “mined” by shopping and purchasing the goods that are conducted within the realm of the ecosystem. The token then can be accumulated and thus could be used to purchase the goods that the people need. Actually, this kind of mechanism already exists in the form of cash back, but the currency that still they used is the fiat currency, not the cryptocurrency.
For more information concerning the platform you can visit one of the links below:
https://arawtoken.io/
https://arawtoken.io/assets/araw_whitepaper.pdf?v1.7
https://t.me/arawtokenofficials
The Token Sales So Far
Just like any other cryptocurrency platforms, the token is being generated in the event of the TGE or the Token Generation Event. This TGE is the only way to get the Token that will be used for the transaction within the system. But still, the token can also be obtained by shopping so that the token can have the daily function. The sales of the token are divided into two kinds of sales, namely the pre-sale or the early sales, and the main sale. The early sales are actually the sales that posses most of the bonus that can be obtained through joining the pre-sales. by joining the pre-sales, you will obtain more token, compared to the main sales, since the early sales will contain bonus where the main sales usually don’t.
The pre sale is already underway since it is started on the 1st July. The private sales have been proving a huge success since it already reached the soft cap which is 2 million USD, and the hard cap will be 25 million USD. The pre-sales will have the period of 60 days, and it will end on 30th Aug 2018. Unfortunately, the public sales are not announced yet, but we assume that the public sales will be started just after the pre-sales. the token itself is worth 0.01 dollars per token, and it will be steadily increased as the supply stagnates but the demands are getting higher. As the total token production stays in 5 billion tokens, where the 70% of them, or the 3.5 billion token will be distributed in the sales.
As for the token distribution, here are the shortlists of them.
Here are several usages of the token within the ecosystem
This is the most obvious function of the token, which is to be used as the main form of transaction currency inside the platform. It means that the merchants and the customer that is within the sphere of the ecosystem need to adopt the platform token and thus making the token widely used by a lot of merchants.
In the e-commerce system, there are usually several attraction events such as the discount, and so forth. The token can be exchanged in the forms of the discount or any other free goods that will be benefitting both the merchant and the customer.
The token can also be exchanged in the forms of the fiat currency such as dollars or euro. Therefore the customer will be encouraged to hold and keep their own token as the price and the value of the token are steadily increasing in the future.
For any further information relating to the token sale and the TGE you can visit one of the websites below:
https://twitter.com/arawtoken
https://bitcointalk.org/index.php?topic=3497194.0
https://twitter.com/arawtoken
By admin • Blockchain Technology • Tags: ARAW, business, cryptocurrency, Europe, information, online, Purchasing Goods, TGE, time, Token Generation Event, UK, USD