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Lending to another person with the agreement that it will be paid back with interest has been around for ages. Furthermore, it’s still considered one of the safest investments since real-world commodities like real estate often back these debts. Over the years, this one to one transaction has become more complicated by adding middle persons like banks and other intermediaries to administer loan payments. Intermediaries often add to cost and complexity.

Blockchain technology has created several ways to improve the lending system through peer-to-peer mortgage lending and tokenized debt securities. …


When I was a kid, I saw a flyer on my dad’s desk with a picture of our house, my dad with his boot on the front tire of his pick-up, smiling wide, and across the top in big type, the number $27,000. Seemed like all the money in the world to me then. That was 1976; a three bedroom, two-bath, with a loft in the garage, a deck, and a detached, insulated tool-shed, on six-acres of apple orchard.

Property was attainable to average working-class people then. A similar house in the same neighborhood lists for $850k+ today. …


Blockchain technology made its humble debut as the underpinning of Bitcoin’s cyber currency. Now it’s a technology that commands the attention of CIOs from almost every major industry.

Deloitte’s financial team reports that blockchain technology has the potential to be a game changer for the real estate industry as well. Many real estate companies are adopting exciting new blockchain technologies such as smart contracts, and peer-to-peer mortgage lending which is helping them to save significantly on overhead costs.

Smart Contracts Drive Efficiency in Leasing and Loan Contract Administration

It is complicated to manage leasing agreements with multiple landlords, tenants and property managers. Not to mention the numerous payment and service transactions that need to be tracked and monitored. Blockchain-based smart contracts make this easier by automatically triggering and reconciling rent payments to property owners or managers. They can also be configured to initiate deposits on a lease or execute stated lease agreements such as returning a security deposit minus any damage charges at the end of the contract. …


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Use Tokenized Debt Securities To Balance Your Portfolio

Diversifying your investments in both stocks and bonds is one of the first pieces of advice a financial advisor will give their client. Unfortunately, traditional bond-based mutual funds have meager yields, and purchasing a corporate bond with compound interest requires a more significant investment than desired for a typical person’s portfolio balance. Luckily, individual investors can buy a portion of a corporate bond through a product called tokenized debt securities. Tokenized debt securities are based on blockchain technology and offer the benefits of full corporate bond ownership for smaller investors in a safe and regulated environment.

Here are the top five benefits of owning tokenized debt…


by Benjamin Erichsen

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Not that kind of model

Famous (or infamous, depending on who you ask) hedge fund manager Stevie Cohen wrote an informative piece that was recently published in the Wall Street Journal. He begins by discussing the software revolution that has swept the world over the past two decades. From there, he segues into what he sees as the inevitable rise of businesses built on models:

A model-driven business is something beyond a data-driven business. A data-driven business collects and analyzes data to help humans make better business decisions. …


Harness the Power of Compound Interest

By Jon Snow

Since the sub-prime mortgage crisis of 2008, investors have had a difficult time finding secure investments bearing any type of significant interest rate. Even now, in the first rising-rate environment in a decade, a small investor would need to lock up $100 for 5 years to earn a 2.85% interest rate in a CD (rate quoted is at the time of this writing). While that is a pretty good deal relative to the much smaller returns of recent years, it is hardly a lucrative or flexible investment.

Viva’s platform will allow investors to sort through criteria to find solid, well-qualified mortgage applicants looking for rates that are both attractive to the borrower and the investor. These investments are ultimately collateralized by the property being bought and Viva’s transparent process will allow investors to see a frank assessment of the underlying real estate and it’s value in addition to all the pertinent information about the borrower’s qualifications. The end result is that an individual investor may find a very secure 10% return on their $100. What’s more, the Viva FMS Exchange™ will allow these investors to exit their investment by selling it on the open market. …


Viva’s Platform and the Importance of Cross-Border Mortgages

By Jon Snow

Here at Viva we talk a lot about how our decentralized mortgage platform will dramatically change the lending landscape. A big part of that change will stem from our technology’s ability to allow home buyers to obtain the financing for their house across national borders. We talk about it in our White Paper, on our website, and in our promotional videos. But why is it so important, exactly? What does it mean in terms of dollars and cents?

Many countries have enjoyed historically low mortgage rates in the post-2008 environment of cheap money courtesy of the easing (making money available at lower interest rates) policies of central banks around the world. Even against the current backdrop of a now rising rate environment, mortgage rates remain pretty low relative to historical standards. …


by Jon Snow

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Zombies! Ninjas! Zombie Ninjas!

Remember all the way back a few weeks ago when I wrote about how the ninjas were gone? Well, it seems my piece caused them to rise from their graves, as reports of zombie ninjas walking the streets began to circulate shortly after my article was posted.

A refresher: in this case NINJA is an acronym: no income, no job or assets. Loans without any verification of the traditional “legacy” requirements of a mortgage (the aforementioned income, job, and assets) began to proliferate in the years leading up to the cataclysmic 2008 economic crisis. …


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In our current political environment, power dynamics are playing an increasingly pivotal role with regard to the structuring of our socio-economic and political systems. It colors the narratives of both historical and current events and is the source of the divisive political rhetoric that has become commonplace. But power is a slippery thing to pin down. Power does not reveal itself in ways that the average citizen fully appreciates until a crisis strikes with enough force to cause a sea change in the way people view the world around them.

Prior to the 2008 real estate collapse, the majority of people the world over were generally unaware of the structural mechanisms that drive the largest market in the world. The post World War II economic boom that set the world on an arc toward greater economic freedom and prosperity was unprecedented in human history. Those who were born in this era bore witness to nearly a lifetime’s worth of increased economic mobility and technological innovations that were accepted as the norm over the course of decades of growth. …


The Ninjas Are Gone, But Their Spirit Lives On…

by Jon Snow

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Not the cool kind of ninja

In my first entry in the “Why Viva” series, I discussed the threat that leveraged financial products, and leveraged mortgage-backed securities (MBS) in particular, pose to the health of the global financial system. …

About

Viva Network

The Borderless Home Loan Financing Network.

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