Rated on May 13, 2018
Modified on Dec 5, 2018
Strong numerous and dedicated team. The whipepaper needs more details about the legal environment. MVP available. Also their hardcap seems too big presently.
Rated on Sep 1, 2018
Good commercial project with a strong viability in the market. This has a strong blockchain use case. The ambition of what Viva is trying to achieve needs to be matched with flawless execution.
Rated on Oct 2, 2018
Interesting project and I think the business model makes sense. Would be exciting to see how they gain customers and have a go-to-market strategy. Team and advisors looks pretty strong as well.
Rated on May 19, 2018
In my opinion, this seems like an attempt to break down barriers of a third party system which is interesting but I think it starts to reach in uncharted waters. Investing in mortgages can have huge risks, especially unique laws in all over the world. On page 18 it states that age is a criteria of of creditworthiness, to which I would disagree with. When speaking of investment accounts regardless of the country you live in is also concerning for me since there are multiple countries that have trade restrictions, and also regulations. I think this may be trying to take on to large of a task initially.
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Rated on Jun 5, 2018
The vision is great but there are tons of hurdles here that are not being accounted for.
what happens in the case of default, bankruptcy, liquidation events? How are these going to affect collateralized debt obligations, MBS and overall mortgage securitization which is a big market, selling collateralized debt by big institutions? I know you descrie the concept of the FMS, but this will not replace a huge CDO market.
The WP is sound, very well done and thoughtfully laid out which is great to see. I see a lot of projects with half-ass whitepapers
I see the main purpose of the VIva token as a security required by holders to receive cashflows from loans.
Very ambitious project, a lot of redtape to cut through that could stop progress at any point, especially with security regulators, real esate regulations, mortgage regulations, a lot to tackle
KYC passed which is great
Good luck with the project but i see it as highly risky for the early adoptive stages of blockchain technology. This may be a bit too early for its time in my opinion.
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