Viva is a crowdfunding and securities token platform for Mortgage-Backed Tokens, enabling a global peer-to-peer mortgage lending ecosystem. Viva’s Mortgage Platform and Tokenized Mortgage Exchange connect borrowers directly with lenders, while introducing liquidity, diversification, transparency and security to private mortgage investing, for the first time. Viva enables a free market to determine the rate of interest on a borrower’s mortgage loan and removes the need for banks and other financial intermediaries. By streamlining the process, mortgage rates will more fairly and accurately reflect the level of risk associated with the asset’s true value. The failure of the banking system in 2008 yielded the world’s first ever cryptocurrency and began the process of decentralizing the power held by financial conglomerates. Viva intends to finish the job – by leaving the inefficient, centuries-old financing system where it truly belongs: in the past.