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**One of the key challenges blockchain technology faces is direct utility in the real world.**

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A number of decentralized applications are trying to disrupt various industries, but their ambitions are struggling to be realized as even the most active dApps have incredibility disappointing figures. Many dApps that raised millions of dollars in funding through ICOs have spent incredible amounts of money on marketing but have not acquired a valuable userbase. 

*The problem is that blockchain technology still has not attracted a large enough userbase and so the current net targetable market cannot sustain consumer-aimed applications.*

A new project aims to use blockchain technology to provide utility to a real-world problem through the one value-additive blockchain technology has successfully provided. 

<center><h1>The Blockchain is Great for Raising Capital</h1></center>
Blockchain technology has enabled the rise of initial coin offerings, a new form of capital raising that has allowed start-ups to raise billions of dollars this year. This is a testament to this technology providing a successful infrastructure for investments. 

**Viva Network is developing a new protocol for mortgage debt; the goal is to carry blockchain technology’s ability to provide decentralized fundraising into the massive real-world financial markets.**

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Many existing attempts to carry blockchain technology into the real world aimed at paving new outlets of blockchain utility; such attempts will take time to be realized. Instead of aiming for a challenging route of paving a new utility, Viva Network is leveraging the blockchain to provide a value-additive it is already being used for—just, this time the utility will be provided to real-world assets.

Viva Network’s Fractional Mortgage Share Protocol tokenizes any mortgage and allows a decentralized network of investors to invest in the Fractional Mortgages Shares. This concept is in alignment with how ICOs function so the fundraising through a decentralized network of investors is a battle-tested utility of the blockchain. 

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In order to ensure the Fractional Mortgage Shares (FMS) are able to imitate the success of ICO tokens, Viva Network will create the Viva FMS Exchange. This exchange will enable the trade of fractional mortgage bonds, thereby providing them the degree of liquidity available to token investors. 

VIVA tokens will be of great benefit to the traders on this exchange as they will provide 75% discount on fees; this is a well-tested token functionality used by the leading cryptocurrency exchanges. 



**Wrap-Up:** By introducing its successful infrastructure for decentralized capital raising, Viva Network is giving blockchain technology a real-world utility in the mortgage markets. The Viva Fractional Mortgage Share Exchange will provide liquidity to the tokenized mortgage bonds. 

<center><h1>Essential Links</h1></center>
🌐 Website: http://www.vivanetwork.org/ 
💡 Whitepaper: http://www.vivanetwork.org/pdf/whitepaper.pdf 
👨 ANN Thread: https://bitcointalk.org/index.php?topic=3430485.0;all 
💻 Telegram: http://t.me/Wearethevivanetwork 


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