TGE

Solving Mortgaging Issue With VIVA

Solving Mortgaging Issue With VIVA

Housing or property industry is one of the leading sectors of the business in the world. It contributes around 31 trillion dollars per year and thus affecting the world’s economy and its components. The most vital housing industry elements are the capacity of the industry to sell the house to every component of the society. This is one of the biggest ironies since the main focus of the success rate is to increase the sale, whereas the capacity of the people to purchase the house is steadily declining due to the increase of the price of the market. Nowadays, even the smallest and cheapest houses are still expensive and still out of the reach of every middle-class man. The people are having several problems as follow.

  1. Mortgage procedure issue

The main critical issue of the buyer is the mortgage procedures that is very complicated and hindering more house to be sold and leave billion people homeless. The mortgage is the process of gaining the house via loans, and this is the only viable solution if you are the middle-class man and facing the Down Payment worth thousand dollars. You just cannot pay it directly in a single payment, and thus mortgaging is the only way that could effectively solve your financial issue in order to obtain the house that you want.

  1. Down Payment issue

The Down Payment or the DP is the second most important thing, and that can be said as the DP are the sole factors that hindering every potential buyer to purchase a new house. the DP usually comes with 30 or 20% prices of the whole house prices. That is actually still very expensive and simply out of reach by the single payment method. The most effective way to solve this issue is to have the loan. And this is where things get more and more complicated, which leads us to the next issue of the housing industries.

  1. Loan issue

Having or taking a loan is actually the ever practical solution for the middle-class man to obtain the house. the loan is usually provided by the banking institution or the third party such as the loan provider, person to person loan and so forth. But there is one impending problem concerning the loan, which is the extremely centralized nature of global banking. The global banking is a  series of a very complex and deep monetary system which will have disrupt everything in the chain if one sector is damaged. The gravity of such a disruption could be very catastrophic and leads to the failing of global economics. Such occurrence has occurred in 2008 where the mortgage and housing industries are failing and thus destroying the global economic recess that is very destructive in nature.

Based on several issues that have been mentioned above, then we need a very fast and precise solution where we can have a house with a very simple mortgage process, low DP and also decentralized.

For any further information concerning the housing industries background, you can visit one if the link below:

http://www.vivanetwork.org/

https://www.facebook.com/VivaNetworkOfficial/

Introducing The Viva Network: A Simple Solution

The rise of the digital age is bringing more and more fundamental changes in every aspect. The way we are doing business, communicate, and information sharing has been simplified to the point of the instantaneous form of communication across the globe via the internet. But it is not just the communication methods that have been revolutionized by the internet, but also the business forms has been impacted and now undergoing very fast fundamental changes within. One of the most influential impacts is the trend of decentralizing the business forms, and digitalization of the business sectors that happen all across the globe. The birth of the startup or the internet based business is on the rise, and thus VIVA emerges.

VIVA, to put it simply is a power to be reckoned with, in the term of the housing industries. It visions, just like any other contemporary business is to disrupt the existing business forms so that this new form of the business could become the new mainstream and thus replacing the obsolete kind of business that is now exist. The VIVA is the solution for those who are in need of the house but yet hindered by the complexity of its process and procedures. There are several reasons why we need to employ the VIVA services to obtain the house that we love.

  1. Decentralized system

As we have stated above, a centralized monetary system will be prone to every kind of damage such the financial instability, global economic collapse, and so forth. Therefore the platform is implementing the decentralized business system where this system is not connected fundamentally to the global business schematic making this business is stronger and more independent towards the global market system.

  1. Reducing the cost and time to undergo the mortgage and loan procedures

Obtaining loan and mortgage is very difficult these days, due to the nature of skepticism of the housing market. This is worsened by the complexity of the procedures that need to be undergone by the applicants, making the process is tedious and time-consuming. So far, there is no kind of any practical alternatives to having a huge amount of loan except in the bank or any intermediaries. VIVA is based on crowdfunding, which the crowd will happily provide the funds since the money that they send to a platform is comes in the form of investment that will benefit them.

  1. Providing the expert housing consultant

Why is it even matter? Why do we even need the housing consultant? here is the problem. For the beginner, the house is a very complicated matter to purchase since there is the myriad consideration that needs to be processed. This could lead to a wrong investment, in the form of purchasing a house that is out of your financial league, or any other issue. The expert team that exists in the team will help you to enlighten the financial situation that you are in, and thus helping you to pick a house that is affordable an viable for your financial capacity.

  1. Investing money

Investment is crucial these days since investment is the prospective long-term savings that could save your future. The crowdfunding in this platform system also comes in the term of the investment. This means that the crowdfunding is not just benefiting the applicants that are proposing the loan but also benefitting the crowd as well. This is actually a win-win solution where you can happily provide the fund that is needed for the applicant, and thus you are gaining the investment rate that will follow the market share. And as the member of the platform, you can also have the right to propose the application for the loan if you need it.

Learn More About Viva:

 

How the Platform Works

The platform’s website is giving you the comprehensive detail concerning the procedures that you are needed to complete before gaining the approval of the loan. Here is the quick glimpse of the procedures in the VIVA platform.

  1. Fulfill the documents requirement

The first basic requirement of the procedures of the platform is the documents. The basic documents that are needed for the process are the debt information and the income statement that is owned. You also will need the ID certificate and any other kind of document that is supporting the main document. Be advised that the document that only will be accepted as the valid and solid document is the real document that already passed the verification.

  1. The first approval

The first approval is the process after approving the document that has been sent by the applicants of the platform. This is not the whole approval, meaning that at this point, you can still fail to get the approval since there is the second approval or the final approval to conclude whether or not the applicants are able to gain the approval. The first approval is the sign that your document has been verified to be true and worth to continue on the process.

  1. Expert and house seller interviews

After you have already passed the first approval, there is the interview session in which you will be interviewed by the expert team of the platform concerning your financial capacity and the ability for you to pay the loan. After the interview with the expert, then you will be interviewed by the house seller. This session is aimed to share the information concerning the house minor and major problems, and also the miscellaneous treatment that needed to be done to the house such the reparation, improvement and etc. this is crucial since you need to know all kind of the information concerning the house.

  1. Second approval

After the interview session, the team and the platform will conclude the second approval, in which the applicant whether he passed the process or not. If the applicants have already passed the session, then they are positively gained the loan that is needed for them to purchase the house. After this session, the crowdfunding will then started and thus the applicant will start receiving money they need to pay the DP or the loan.

The crowdfunding will use the FMS or fractionalized mortgage share. The FMS is the way that the loan will be fractionalized and paid by the crowd. The FMS is actually the investment share that comes in the form of the fund that is distributed in the platform. The FMS is the quota that is needed to be fulfilled in order for the entire applicant to pay the loan of the house. The accumulated money will then be transferred to all the applicants and the crowd in the term of the investment rate so that the crowd will have the benefit of investing their money in the platform.

Learn More How Viva Works:

For any further information you can access the links below:

http://www.vivanetwork.org/

http://www.vivanetwork.org/pdf/whitepaper.pdf

Twitter.com/thevivanetwork


The Sales of Token

As just any kind of the blockchain system that has the token, the VIVA network also has the token called the VIVA token or called the token to be simple. The token is mostly used by the member of the platform to conduct any kind of transaction that is occurred within the system. There are several transactions such as the application process and so forth to that is using the token and no other currencies.  But unfortunately there are no existing vendors or the merchant that is receiving the token for now, but the platform does promises to inform the member of the platform if there is an advancement or the changes in the future.

And as for the sales, the token is primarily gained by two kinds of sales, they are the first stage that consist of three rounds, and the main sale that is also consist of three rounds as well. There is also the private and individual contribution that is also allowed and accepted in the system, but they are excluded in the TGE or the token generation event and thus not explained here. Here is the further explanation regarding the sale.

  1. First stage

The first stage is the best way of acquiring the big bonus, as the bonus is ranging from the 40% worth per token to the 30% bonus per token. The nominal of the token is around 50 thousand per ethereum and that nominal is decreasing as the bonus is declining per 10 days. Unfortunately, the early sale is about to elapse, which will be in the 1st July 2018.

  1. The main stage

The main stage is where the most token is being generated. There are estimated around 3 billion tokens is being distributed via main sale event. The main sale is also comprised of 3 rounds by the bonus started from the 25% to 0% bonus every 20 days. the main sale will be conducted for about 60 days.

For any further information related to the TGE, you can visit one of the links below:

https://t.me/wearethevivanetwork

https://bitcointalk.org/index.php?topic=3430485.0

Filtering Unwanted Ads By Vidy

Filtering Unwanted Ads By Vidy

As the technology has progressed, the advertisement era has been transformed significantly from the written and offline source such as newspaper to the online advertisement which comes with many forms such as the banner ads, pop ads, and so forth. Today the internet has been bombarded with billions of billions internet advertiser who is interruptive and intrusive and thus annoying to the point hundreds of millions of internet user has installed the free and paid ad blocker. This is damaging to the ecosystem of advertisement since they are no longer providing the information to the exact person which they do want the ads. But that is not all, since the majority of the people are no longer interested in viewing ads, and thus they are no longer useful. This leads to the companies wasting their billions of money in such an ineffective advertisement method.

This is troubling since the publisher, and the companies are losing way to promote and advertise their product, and thus the company needs to be more active and creative to develop their products. The majority all of the people who are leaving the advertisement ecosystem is based on several reasons such as:

  1. Ads are abusive

Ads are abusive. It tracks your location, search history, latest activity and so forth so that they can show more relevant ads and so forth. But despite the effort, they do still some random stuff to the wrong person, and thus they are getting more and more irritated by the presence of the ads. This abusive activity of the ads are frightening and scaring some of the people; even they have a good intention to it. But that seems doesn’t very useful since the random advertisement banner and videos are still popping up.

  1. Ads are annoying

Imagine you are about to visit the webpage you are always visiting to search for information or just browsing. But you need to run a series of the pop ads that are usually pop two or three times until the desired button can be clicked, and how annoying could that be? Or when you accidentally hit the banner ads and you are being redirected to some slow loading page, or some random pages, or the pages that install malware or something malicious to your device, etc. we are now dealing with the fraud ads that is now become a threat to your privacy and security. That is very dangerous, and that is another reason why people are installing the ad blocker.

  1. Ads are ineffective

We have seen millions of ads throughout our internet activity, from the right products to the fraud one. And this is what makes the people are getting tired of the ads, and that is why people are always looking for a way to leave such a banner ads page as soon as the being redirected to such a page. And this makes the advertisement industry are no longer active since the people do not want to see the ads at all. Advertising is a common practice in the business, but when you are losing people that could potentially buy your products, that is a serious issue. Up to this point, there are about 600 million devices already installed the ad blocker, and more are on their way, and even more, are ignoring and hating the ads for whatever the products.

Such a situation needs to be solved since this is damaging the companies and thus they are losing their market. A solution is required to bridge the need of the people in search of products reference, and Showing A Proper And Exact Kind Of Information With Surgical Precision.

For More Information Concerning The Advertisement Industry, You Can Visit One Of The Links Below

https://vidy.com

https://Bitcointalk.Org/Index.Php?Topic=4607821.0

Introducing Vidy, The Filter Of Your Ads

A good number of people are ok with the ads, but what do they hate is the wrong ads that they don’t want to see, or that is irrelevant for them. Suppose a male that is searching for a new laptop, and they do need the preferences for their option. But they keep looking the random ads that they do not want to see and thus this person is growing more and more irritated by the ads for whatever the forms are. This case already happens millions of times, and therefore the advertisement industry keeps losing more and more people.

The second issue in the advertisement culture is the messiness of the ads, such a webpage that is invaded with a ridiculous amount of advertisements so that the user is irritated and they don’t want to click a single ad. This is because there is no such standardization for the ads UI and therefore the webpage is being invaded with so many ads, and that is just annoying. The lack of a standard is what makes the publisher is showing more and more announcements as they please.

Most of the ads alone are frauds, such as the gambling ads, the sex tools ads and so forth, as if most of the internet user wishes for it. The banner ads are the ads that are responsible for the loss of millions of the internet user that could become a potential buyer if the ads are proper and precise for the person who such an announcement. The page loading is also an issue since the slow loading page due to the massive data usage are ineffective and irritating. The ads industry merely is suffering due to the lack of standard, and this is supported by the people who run a webpage or a blog that desperately needs money and thus placing ads on the page. That is the vicious cycle that needs to be broken down, and thus we need the platform for the solution.

But fortunately the solution already exists, and now is starting to become operational, and that is called the vidy platform. To put it just, vidy is a platform to filter and block the unwanted ads and showing the people the rights ads so that the internet user can be satisfied and not feeling being abused and invaded by such an announcement. Here are several solutions that are offered by the platform.

  1. Implementing the UI standard

As we have stated before, the UI standard is lacking in the term of advertisement world. Therefore the publisher is publishing more and more ads so that they gain more money. But that this not just the only case since many forms of the ads are also really intrusive and abusive so that the advertisement ads are really in need of the standard. Vidy is implementing the rule of the UI and the forms of advertisements so that the ads are no longer amass in one web page, and many types of ads are becoming more and more friendly to the users and the viewers, and thus people no longer hate the ads.

  1. Slow loading page

The ads page are currently very ineffective due to their load time. The load time for banner ads or any ads is presently one of the main reason why people are leaving the digital marketing, or the internet advertisement process. The loading pages here is no longer an issue for the vidy platform since vidy platform’s ads are pre-loaded so that they can be visible without even being redirected to another page. The forms of the ads are also quite informative so that the company will not worry concerning the lack of information in their ads.

  1. Irrelevant Ads

Ads are getting more and more irrelevant since more ads are popping up on the internet. That is the main reason why ads are being hated and thus neglected. This is a challenging issue that needs to be broken down with a new and fresh approach. Many companies are facing this issue the wrong way since they will make more ads, and more aggressive user tracks apps and so forth, that is an abusive way that will never earn the respect of the people. Instead, the vidy platform is showing the different approach which is utilizing the smart contract to map the user so that ads will be shown in correspond to the need and wants of the people. That is a good idea since the people do want relevant ads for their preference. The smart contract will allow different people different ads when they are visiting the same webpage.

  1. Banner ads stigma

The stigma against the banner ads are severe, to the point they are being hated no matter what kind of ads that they are showing. This is a significant blowback to the advertiser since they are losing their money for such an ineffective method. There is a perfect solution involving the platform, which is the gamification of the ads. The platform will allow the people to see and hold the ads and get incentivized financially. That is a fresh and right approach which is bridging the need of the advertiser to show their advertisement, and the necessity of the people to get money.

The platform is also straightforward to be implemented. First, you need to make an account to the platform, and in this stage, the smart contracts will remember and identify what kind of ads that you are about to see. That is the first filter of the platform so that you will no longer seeing the ads that you don’t want to see. And after being integrated to the platform, you can use the ads to mine the coin which is examining the video ads.

For more info concerning the platform, you can visit the webpage here.

https://vidy.com/static/whitepaper.pdf

https://fb.me/VidyCoin

Token generation event

The token generation event or TGE is a token sale. Here is some information concerning the sale of the token.

  • The soft cap is 15 thousand ETH (around 10 million dollars)
  • Hard cap 60,000 ETH
  • Private sale has been completed which is occurred between 1st may to 15th June, $16 million already raised! 
  • The presale and the main sale are not yet informed (the pre sale will be started in 25 days, August 15th)

The platform also recognizes the tier for their platform. There are four tiers, and that is depending on the amount of token that they are purchasing.

  1. Free Tier

The free tier is the lowest tier where you can only post, and there is no guarantee that the people that watched your videos are being filtered demographically.  That means that your banner ads will be shown to the wrong person. you can also have the basic access to the UI dashboard editing.

  1. Titanium

Titanium is the second lowest tier that will be reached after you purchase the 300k amount of real coin purchased. You can upload an unlimited amount of the videos, and you can gain the mid-tier dashboard editing on the platform. Your ads will also get filtered so that you will gain the solid and exact viewers that you want to sell it.

  1. Gold

Gold is the second highest tier in the platform where the amount of the coin needed to be purchased at this tier is about 700k every coin. You can access the full feature of the UI dashboard, an unlimited amount of videos that can be uploaded, etc.

  1. Platinum

This is the highest tier of the platform, with the highest amount of the required coin to be purchased which is about 1 million token. This is limited to only 10 thousand seats for the platform, and they will also gain the one tap purchase modal.  This is the best tier if you do want to have the highest possible viewers.

As for the token usage, as usual, you need this token to perform the transaction inside the platform, and so forth. You can also use this token to exchange it for the fiat currency such as dollars, etc. otherwise you can store your coin in the wallet. You can also store the coin for future investment.

For further information, you can access webpage listed here.

https://www.t.me/vidycoin

Say No More To Injustice Towards Photographer

Say No More To Injustice Towards Photographer

The world of photography is often neglected and abandoned from the spot of the media. Many assume that the photography is just about the passion and hobby and therefore they are doing as they please. But that is far from the truth since many of the photographers are defending their lives and incomes to the world of photography and their business. Today, the primary source of the creator of the photographer is the third party seller platform which is the Getty images or the Shutterstock. We do familiar with the two companies, but little of them know the bitter truth is concerning the two companies, which we are going to explain below.

The companies employ a stringent and demanding policy that is hampering the progress of the photographer and thus stripping off the profit and the right of the photographer. Here we will sum up several concerns that now exist within the current ecosystem.

  1. Centralized
    Not every centralized thing are wrong, in fact, we do need a centralized standard such as currency and system so that it gives us certainty and several degrees of rigidity. What we do mean about centralized in this scenario is the photographer, in which here is the content creator is often left behind in the term of the profit generation process, making it a one-way process in which the company control the whole profit generation process and leaving the creator suffering.
  2. The pictures right
    One of the central issues of the photographer here is the right. The right in this scenario is the right or the licensed photos. In this case, the creator is just don’t have any reason once they already submit their pictures inside the system of the platform. Even if the creator is selling the photos outside the system, they need to report back the profit to the platform otherwise they will be getting the legal ramification which is annoying.
  3. Injustice sharing of profit
    These points actually correlate with the first point. This is actually the sad, grim truth about the world of photography where the creator is just gaining a trickle of the profit generated by the system, whereas the company receives more than 85% of the benefit. The professional photography is not merely randomly flashing your camera around and making a profit. It is actually a cumbersome task when sometimes the photographer needs to be in several difficult spots and often shoot thousands of pictures just to get one specific picture that suits the desired output.
  4. Pitch black system
    What we mean here is the lack of the transparency in the big companies. We do realize that not all the thing are needed to be published to the public, but some points do require openness. But that is just what de big companies lack, where they are reluctant and even not willing to share their data concerning the licensing process, the profit generation and so forth. This is what upset the professional photographer, and thus such a cycle needs to be disrupted.
    For more information, you can visit one of the links below:

https://www.wemark.com/

Disrupting The Current Ecosystem With Wemark

But luckily, as the technology progress, the world is becoming more and more decentralized, where there is merely a lot of disruption and groundbreaking invention that is very fundamental to the realm of business. The rise of startup businesses, especially the one who relies on the blockchain system are becoming predatory to the old ecosystem where they are destroying or at least giving alternatives to the old ecosystem that if proved to be injustice and inefficient. There are a lot of businesses that are currently reforming and thus providing a new business opportunity to make things even better. And such luck is also bestowed to the realm of photography, where a new startup is on the rise, called the remark platform.

Wemark is actually one of the most promising startups that will disrupt the whole old ecosystem that is hampering the creativity of the creator itself. As we can see, the creator is having a difficult time gaining profit, and this platform is actually the best platform to increase the benefit of the amateur and professional photographer alike. Here are several reasons why the wemark is worth trying.

  1. Gaining more advantage
    The first and the most obvious reasons are the profit. We already know that the big companies are giving only a trickle of the strength whereas they are generating more and more profit daily. That is actually very troublesome and need to be changed since it will heavily discourage the content creator. In the wemark platform, the situation is just reversed, where the companies are gaining a trickle of profit per photos and the rest of the money goes to the creator.
  2. Decentralized
    This is what more interesting on the platform, where the decision making is entirely back to the user. The creator can sell their pictures for the prices that have been set by themselves, and thus is more rewarding for the creator. We do want to ensure that the creator is keeping their creativity and accordingly being rewarded for such effort. And to do that we need to give the creator more right and more role to determine in this form of business. To put it just, on this platform, the part of the creator is significantly higher compared to the previous old ecosystem that is diminishing the part of the creator.
  3. Transparency assured
    One of the most critical factors In the business is giving the proportionate flow of information to the user or the customer. This is what makes them more appreciated and thus will convert them to a loyal customer In the meantime. Having a loyal customer is apparently one of the primary focus f the company, and one of the most critical points is having some degree of transparency. We do understand that not all kind of information is required to be published, but at least only the one which is critical such as the licensing and the profit generation process. Such information is essential to be released so that the customer or the creator understand for how much they need to pay, how much they need to spend money, and how much they will gain profit per photos.
  4. License distributed not centralized
    In the artistry world such photography, one of the most crucial point is the license of the pictures. The grant will determine the ownership of the photos and thus make it protected by the law and gaining the creator the rights of their own creation which is obvious. But unfortunately, such cases did not occur in the big companies since they retain most of the license for themselves. The platform will give the license to all the photographers regardless of their skills and their photos quality and thus make the creator more liberty and right about what to do with their own images. They also don’t need to report back to the platform once they are making the profit to the images that have been licensed by the platform.

Becoming the part of the wemark platform is effortless. First, you need to make your own portofolio on their website. This is important since the platform need to know about your capacity and your skills also experiences concerning the photography. After creating the portfolio you can start to upload the photos of your own and to get the license, you need to pay several amounts of cash at one time. The payment here are using the token of cryptocurrency, and therefore it Is not very expensive in the end. And you don’t have to worry since the licensing is a one-time process and therefore you don’t have to pay several times for your licensing process.
For further information concerning the system of the platform, you can access the link below.

https://www.wemark.com/whitepaper.pdf

The Road Map And The TGE Of Wemark

wemark roadmap.jpg

Every platform will have their own roadmap to determine their own degree of success. And this platform does have the roadmap. Here are several points of the roadmap of the platform.

  1. Middle and late 2017
    2017 is the important year for the platform, where they are signing the contract of the NFX companies that specializes in the market research. The NFX are investing their money in the platform for about 1million dollars. The platform is also opening the waiting list for the contributors or the photographer that are about to sell their own photograph on the platform. And as the website claim, more than 1500 professional photographer are signing the contract just in the few weeks.
  2. Early to middle 2018
    At this point, the platform is releasing the very first product, which it enables the user to create a profile and submit their own photos in the platform. There are about 20 thousand offered pictures just a month after the release of such content. This event is followed by gaining the advisors, which is several of notable individuals in the term of business, such lee torrents, as a lead marketing in canvas, Lars Perkins, founder of Picasa which has been purchased by Google and becomes the google photos and etc. the following month is the release of the whitepaper of the platform to become the guideline both for the platform and the user alike.
  3. Late 2018
    This is yet another critical period of time for the company. The company will sell their token called the wemark token to the public for the first time. Such token will be used primarily for the transaction that is occurred within the system, and hopefully, that includes the purchase of the pictures as well. And in late 2018, the platform will be transformed into a full working marketplace where many can purchase the photos that have been provided by the photographer for some period of time.

wemark token.png

And as for sale, here are some necessary information that you need to know
• The token supplies are about 135 million dollars
• Soft cap around 1.5 million
• Hard cap 8 million
• Price per token 0.20 US dollar per token
• Sale starts July 24th and ends at Aug 7th
• Token usage: licensing, accessing several wemark features

As we can see above, the token supply is meager compared to the other platform where they can reach billions. And the hard cap is also shallow, which is just about 8 million. Which mean that they only will sell that amount of the token, as the rest of the token is used for another purpose. And that is what makes the price per token is rather higher compared to the other token amount, and this will make the sale even more interesting since the token is worth investing for.

And the second most intriguing thing is, the allocation of the token supplies, here is the information concerning the token allocation.
• 38% token sale
• 37.5% reserved for community rewards and economic scaling
• 12% advisors&partnership
• 11% founding team and employees
• 1.5% bounty program

As we can see, the token allocation is rather unusual since the token and the community rewards are almost identical. No other platform is employing such allocation in the vicinity since they implement a huge proportion of the token supply to the sale alone. The board of advisors, the founding team and employees, are also gaining more token allocation.

What we can learn from this basic information here is, the company is dropping more token to the community to reward them for their contribution in building the companies, along with the founder team and the system. That is working along with the dream of the platform to give more reward and profit for the content creator and thus destroying the old ecosystem in which the creator is suffering since they just don’t get enough profit to continue on their project.
For further information, you can access the links below:
https://tge.wemark.com/
https://bitcointalk.org/index.php?topic=3347524

Social Media:
 
Purchasing A House Easier And Faster By Viva Network

Purchasing A House Easier And Faster By Viva Network

House is an ever-increasing need of humanity since all humans need shelter to house their family and fulfill the needs of them such as resting, relaxing, and so forth. But the housing industry is threatened by the skyrocketing prices since more and more people are being born and fewer lands are available for the housing. This makes the house has a very high price and requires a huge amount of money to even pay the Down Payment. This is indeed very frustrating to all middle classman people since they don’t have that money to purchase the house, and in the end, they have no house and forced to live with their relatives for the rest of their lives. There is actually one practical solution to this circle, which is having a loan to purchase a house but to are possess the threat that could ruin someone financially and lead to a disaster in the market if the loan is not done properly.

We are all too familiar with the failure of the banking industry in the mortgage crisis of 2008. The problem is actually very simple since it just covers up the failure of the people to pay their debts to the bank at that time, leading to a very serious economic disaster that almost ruins America and Europe back in that time. Even though having a loan could become a huge help in having a house, the centralized system with a huge interest that imposed by the banks are making the people very difficult to pay their loans to the banks. This is indeed very counterproductive since the banks live on the loan, and the people simply can’t pay the loan since it has a huge interest with years to complete the payment period. This is the major issue why people are becoming more and harder to obtain their house.

In the world alone, the housing industry, along with the property industry has made trillions of dollar per year, and that will keep going on since the value of a house will steadily increase and more and more people are less able to purchase a house. Housing is usually divided by its type, and the bigger the type, and more expensive than the house will be. But the problem here is, even we are about to purchase the smallest type of a house, the amount of money that is required to purchase a house is still astronomical and making it more inconceivable by all the people that want to have a house. Even though the government are already providing the solution such providing the house with the zero payment system, reducing the value of a house, but that is not tacking down the most basic issue that is now happening In the world, which is the inability of a person to purchase a house due to its astronomical price. This circle needs to be broken down as soon as possible since more and more people are greatly in need of a house.

For further information you can visit one of the links below:

http://www.vivanetwork.org/

https://www.facebook.com/VivaNetworkOfficial/

 

The risks of the platforms and platform mechanism

When we are talking about the housing industries, how little it is, it will contain the risk that needs to be recognized and addressed. The housing industries are a huge market with trillion of dollars that circulated per year. That sum of money is the backbone of the housing industries and thus it posse a high level of risk. Here are several issues that the user needs to be aware of before buying the token or joining in the platform.

There are a lot of reasons why this kind of mechanism will be favored by the people, and thus making this platform healthier and more reliable, which is:

  1. Fast and reliable

First is, all the procedures mostly conducted online, and it means that you don’t have to follow a series of very long and complex procedures that are usually imposed by the banks or the third party which is very inconvenient and tiring. The documentation that is required for the platform is online which mean the applicant will just need to upload their document in an instant without even be needing to go to certain places.

  1. Protected by cutting edge blockchain environment

And as for the security issue, the team has been equipped with the most talented and experienced group of assessor that is capable of determining someone’s ability in real time. They are able to determine and foresee the risk that exists in the certain people, and as well as distinguishing the real documents and the fake one. This is crucial since a lot of banking institutions are failing due to the fact that they are giving the money to the wrong person who is not able to pay for the money they owed to the banks. The team will also provide the advice for the applicant on how to pay and manage their money to reduce the risk of the applicant not being able to pay for their debt.

  1. crowd funding

The third is the funding mechanism. The funding mechanism that is imposed by the platform here is crowdfunding, meaning that there will be a lot of people are investing in this platform by purchasing the token of the platform and thus the money will be used to fund for the applicants and the mortgage. The applicant then will need to pay for a certain amount of money, and then the money will enter the crowdfunding market and becomes more money to fund even more applicant and so forth. This mechanism means that the platform will lose nothing and benefit nothing unlike the banking mortgage system and so on. The platform Is also not giving the extreme amount of interest since the money is sourced on crowdfunding, not the typical money that is provided by the banks.

The crowd funding will be translated by the platform namely the fractionalized mortgage shares or FMS. This FMS will become the amount of money that is needed in order for someone to purchase a house. usually, there will be 100.000 FMS per house, and then the crowd fills fund those FMS per month. There are a lot of reasons why FMS is very prospective for all the people. First of all, it is investment mechanism, meaning that people will receive a certain amount of money as they invest in the FMS. but FMS itself is not the token of the platform since it just the integrated investment mechanism that will be enjoyed by the people who are willing to pay for the FMS and thus crowdfunding the platform. One FMS at a time will be equivalent to 10 dollars per month, so logically, the more FMS that one person has, the more investment they will receive per month. But you should notice that the amount of the investment is not fixated.

There are indeed several risks at play when it comes to the investment, such as:

  1. Inflation risk

The first is the inflation risk, as it plaguing all kind of investment in the world. The more in the inflation is, the lower the value of your investment, and vice versa. But naturally, if the inflation rises, then it is not just your investment is at risk, but a whole country economic too. Meaning that the government will try to hold and reduce the amount of inflation in that country to stabilize and strengthen the country economy. The second risk will be the market risk, where it is directly linked to the housing market. To put it simply, the more house sold in the housing market, the more money you can get per FMS since FMS is generated by the house that is sold to the applicants. Similarly that if the less house is sold, then the less amount of investment money can be made.

  1. Interest risk

Interest is also the risk that really needed to be accounted for. Simply, as the interest climbed up due to the global economy, the investment rate is dropping since the interest will take up several amounts of money. but up to this day, there is no sign of the interest rate being high drama in the short few days due to the market optimism. The interest rate is also steadily declining since more and more business field are opening up and the market is going at a high speed to recover and regenerate money.

For any further related information, you can visit one of the links below

https://t.me/wearethevivanetwork

http://www.vivanetwork.org/pdf/whitepaper.pdf


The sale and token generation event

Just like any other blockchain platform, this platform also has the token that could be used in various ways. The token is called the viva token, or the token for future statements. The token as we already stated before could be used for many things, but primarily is to use the facility of the platform such proposing the loan, paying the loan and so forth. the token is the ultimate form of payment where no other methods of payment are received by the platform. To get the token, the people are required to join the series of sales that is being conducted by the platform. Mainly the platform is holding two kinds of sale, which are the first stage which consisted of around 3 rounds, and the main sales which also have 3 rounds. Here is the more detailed information concerning the rounds of sales.

  1. The pre-sale or the first stage of the sale

The first stage of sale is the pre-sale, or as any other blockchain refers to. This is where you can get all sorts of bonuses that is very profitable for you. There are three rounds of the pre-sales, as the more rounds, the lesser bonus you can obtain. The first round has 40% purchase bonus, and the last round has around 30% bonus per transaction. The interval between the rounds is about 10 days, so you need to make sure what kind of rounds that you are following. As we speak, the first stage of sale is about to come to an end, since the first stage of the sale will end at 1st of July.

  1. The main sale

The main sale or the main contribution period is the where the majority of the token will be distributed. There are 4 billion of the token that is available for this platform, where 75% of them or about 3 billion of them are the hard caps of the main sale. The period of the sale is about 60 days and Main Sale Starts July 20th. The main sales also have the 3 rounds with their own bonus, ranging from 25% to regular sales with no bonus. As for the price, the price of the token depends on what kind of sales and how many bonuses you receive from the platform. The price is ranging from 50 thousand tokens per ETH to around 35 thousand tokens per ETH. And as the currency value, the token is worth roughly around 0.009 dollars per token.

  1. The token distribution

It is important to know the token distribution since the this is to show the integrity of the platform itself. Here is the token distribution as having been stated by the website.

  • 75% TGE or sale (3 billion)
  • 10% reserve (400 million)
  • 7.5% team allocation (300 million)
  • 3.75% advisor (150 million)
  • 3.75% marketing operations (150 million)
  • The whole quantity of the token: 4 billion
  1. Token usage

The token usage is primarily for the main transaction of whatever the transaction that occurred within the system, be it the payment of the loan, the proposals, and so forth. and as for the exchange, unfortunately, there is no information concerning the exchange that could be done using the VIVA token, but the website does promise there will be several practical usages of the token in the near future.

For any further information concerning the sales you can visit one of the pages below:

https://bitcointalk.org/index.php?topic=3430485.0