Mosaik Partners

Sigma360 is a risk decisioning software platform developed at MIT, designed to assist firms in identifying, screening, monitoring, and reviewing clients and their relationships using a comprehensive cloud-native risk intelligence database. Founded in 2016 and headquartered in Manhattan, New York, Sigma360 leverages artificial intelligence to optimize screening and monitoring processes across various external data sources. The platform provides automated multi-variable screening, categorization, and monitoring, allowing compliance teams and investigation firms to efficiently assess risk with a holistic perspective. The leadership team boasts over 50 years of combined experience, encompassing expertise in computer science, law, and government, further enhancing the effectiveness of the platform's solutions in adverse media screening, sanctions and watchlist screening, and enhanced due diligence.

KOR Financial is a fintech company focused on transforming regulatory reporting for derivatives markets. The company offers a platform that is licensed by the Commodity Futures Trading Commission and serves as the first independent swap data repository. KOR provides a reporting-as-a-service solution that complements its swap data repository, effectively addressing various standard reporting functions and systemic challenges. This innovative approach allows market participants to efficiently meet reporting requirements for over-the-counter derivative trades and lifecycle events. The company emphasizes user experience, modern technology, data quality, and simplified commercial terms, aiming to deliver valuable business insights to its clients.

Cassini Systems, founded in 2014, is an innovative financial technology company with teams based in both US and UK. The founders and key personnel have extensive backgrounds in creating new and innovative financial technology and strong experience serving the asset management, hedge fund and investment banking communities. Since 2014 they have been developing a comprehensive and cohesive set of solutions to address the challenges now facing asset managers and hedge funds trading derivatives. Their growing team now numbers 16 and has over 300 years of combined experience.

PointPredictive Inc. specializes in artificial intelligence risk management solutions tailored for the auto finance, consumer lending, mortgage lending, online retail, real estate, and consumer rental markets. Founded in 2013 and based in San Diego, California, the company focuses on combating fraud in automotive and mortgage lending, as well as retail sectors, by utilizing big data and advanced analytic models. Its platform develops predictive models that analyze both structured and unstructured data to identify historical fraud and risk patterns, thereby enabling lenders and retailers to mitigate risks and improve lending processes. PointPredictive's solutions help clients reduce losses from first payment and early payment defaults while minimizing false positives, ultimately saving millions of dollars annually and enhancing customer experiences through better targeting and efficiency. Additionally, the company offers fraud and risk consulting services to further support its clients.

PointPredictive Inc. specializes in artificial intelligence risk management solutions tailored for the auto finance, consumer lending, mortgage lending, online retail, real estate, and consumer rental markets. Founded in 2013 and based in San Diego, California, the company focuses on combating fraud in automotive and mortgage lending, as well as retail sectors, by utilizing big data and advanced analytic models. Its platform develops predictive models that analyze both structured and unstructured data to identify historical fraud and risk patterns, thereby enabling lenders and retailers to mitigate risks and improve lending processes. PointPredictive's solutions help clients reduce losses from first payment and early payment defaults while minimizing false positives, ultimately saving millions of dollars annually and enhancing customer experiences through better targeting and efficiency. Additionally, the company offers fraud and risk consulting services to further support its clients.

MagicCube, Inc., established in 2014 and headquartered in Sunnyvale, California, specializes in developing a software platform that fortifies data exchange between devices and the cloud. Its core technology, a Software Defined Trust (SDT) platform, embeds into mobile applications handling sensitive user data, such as banking and shopping apps, to secure digital transactions across diverse devices, hardware, and operating systems. This platform safeguards against on-device, cloud, and network attacks, preventing security issues like cloning, lifting, spoofing, and tampering, all without the complexity and cost associated with traditional hardware deployments.

Azimuth GRC LLC, based in Jacksonville, Florida, specializes in developing a software platform that helps companies in heavily regulated industries manage compliance with federal and state laws. Founded in 2019, Azimuth GRC offers a Software as a Service (SaaS) solution called Lineage, which automates regulatory compliance and risk management across enterprises. The platform codifies numerous laws and translates them into clear operational requirements, allowing organizations to navigate complex regulations more efficiently. By streamlining compliance processes, Azimuth GRC enables clients to reduce compliance risks while lowering associated costs.

Vera is a decentralized financial platform focused on non-fungible token (NFT) assets, providing a range of services including lending, borrowing, leasing, and decentralized financing. Established in 2021, Vera leverages blockchain technology to facilitate transactions within NFT marketplaces, games, and applications, thereby enabling users to access and manage tokenized assets efficiently. The platform aims to democratize financial products related to NFTs, ensuring they are secure, open, and accessible to users globally. Backed by prominent investors in the decentralized fintech sector, Vera aspires to create innovative financial solutions that enhance the utility and monetization of NFT assets.

Boost Payment Solutions, LLC operates a B2B payment platform that enhances the efficiency of commercial card payments. Founded in 2009 and based in New York, the company specializes in transforming supplier-initiated virtual card payments into a buyer-initiated experience. Its proprietary platform, Boost Intercept, simplifies the payment process by removing the need for suppliers to manually handle transactions or access card data, thereby streamlining reconciliation and lowering acceptance costs. The company also offers consulting services, including the development and management of supplier enablement programs, evaluations of commercial card payment systems, and customized financial assessments. By bridging the needs of buyers and suppliers, Boost Payment Solutions provides a secure, cost-effective alternative to traditional payment methods, facilitating seamless credit card transactions and optimizing the use of commercial cards.

PointPredictive Inc. specializes in artificial intelligence risk management solutions tailored for the auto finance, consumer lending, mortgage lending, online retail, real estate, and consumer rental markets. Founded in 2013 and based in San Diego, California, the company focuses on combating fraud in automotive and mortgage lending, as well as retail sectors, by utilizing big data and advanced analytic models. Its platform develops predictive models that analyze both structured and unstructured data to identify historical fraud and risk patterns, thereby enabling lenders and retailers to mitigate risks and improve lending processes. PointPredictive's solutions help clients reduce losses from first payment and early payment defaults while minimizing false positives, ultimately saving millions of dollars annually and enhancing customer experiences through better targeting and efficiency. Additionally, the company offers fraud and risk consulting services to further support its clients.

PatientPay, Inc. is a health technology company founded in 2008 and based in Durham, North Carolina. It specializes in developing cloud-based solutions for billing, electronic payment, and reconciliation that address the financial complexities of the healthcare industry. The company's flagship product allows patients to pay and manage their healthcare expenses efficiently while enabling medical practices and hospitals to collect payments more effectively. By integrating seamlessly with existing practice management systems, PatientPay streamlines the payment process, reducing the labor-intensive and error-prone tasks associated with traditional billing methods. The company has been recognized as a leader in healthcare payments, supported by its patented technology that facilitates instant integration with various billing systems. PatientPay serves a diverse clientele, including individual practices, multi-location physician groups, hospital networks, and revenue cycle management service providers across the United States.

Qwil PBC operates a payment management platform tailored for independent contractors, freelancers, and small businesses, founded in 2015 and based in San Francisco, California. The platform offers financial tools that allow users to track, collect, and manage their earnings efficiently. It features an application that enables users to access their funds before receiving payment for their services, facilitating early cash access through an advance on earned amounts. By providing these financial solutions, Qwil helps freelancers and small enterprises manage their cash flow effectively, enhancing workforce recruitment and retention without placing additional strain on the client's financial resources.

PeerNova, Inc. specializes in developing a blockchain-based distributed ledger technology (DLT) solution that ensures data immutability and integrity for securities exchanges and financial services. Founded in 2013 and based in San Jose, California, the company also has sales offices in New York, London, and Beijing, along with engineering centers in São Paulo and Belarus. PeerNova's platform, known as Cuneiform®, allows organizations to monitor data quality metrics and assess the suitability of their data for business purposes. This zero-code decision-science platform helps firms enhance operational efficiency by identifying and resolving critical data exceptions, enabling quicker root-cause analysis, and ensuring ongoing data reliability. By addressing reconciliation, audit, and compliance challenges, PeerNova empowers financial institutions to make informed decisions and mitigate risks associated with poor data management.

Payveris, LLC operates a cloud-based digital payment and money transfer platform aimed at serving financial institutions and their partners. Founded in 2011 and headquartered in Cromwell, Connecticut, Payveris provides a range of services including consumer and business bill payment solutions, account-to-account external transfers, and person-to-person payment capabilities. Customers can easily send money from their bank or credit union accounts to others via the web, smartphones, or tablets. The platform also features PayWatch, an integrated fraud prevention solution that monitors transactions across various payment types, and PayItNow, which connects financial institutions, merchants, and consumers in the payment process. Payveris has established strategic partnerships with Kony and Corelation to enhance its offerings.

Boost Payment Solutions, LLC operates a B2B payment platform that enhances the efficiency of commercial card payments. Founded in 2009 and based in New York, the company specializes in transforming supplier-initiated virtual card payments into a buyer-initiated experience. Its proprietary platform, Boost Intercept, simplifies the payment process by removing the need for suppliers to manually handle transactions or access card data, thereby streamlining reconciliation and lowering acceptance costs. The company also offers consulting services, including the development and management of supplier enablement programs, evaluations of commercial card payment systems, and customized financial assessments. By bridging the needs of buyers and suppliers, Boost Payment Solutions provides a secure, cost-effective alternative to traditional payment methods, facilitating seamless credit card transactions and optimizing the use of commercial cards.

Boost Payment Solutions, LLC operates a B2B payment platform that enhances the efficiency of commercial card payments. Founded in 2009 and based in New York, the company specializes in transforming supplier-initiated virtual card payments into a buyer-initiated experience. Its proprietary platform, Boost Intercept, simplifies the payment process by removing the need for suppliers to manually handle transactions or access card data, thereby streamlining reconciliation and lowering acceptance costs. The company also offers consulting services, including the development and management of supplier enablement programs, evaluations of commercial card payment systems, and customized financial assessments. By bridging the needs of buyers and suppliers, Boost Payment Solutions provides a secure, cost-effective alternative to traditional payment methods, facilitating seamless credit card transactions and optimizing the use of commercial cards.

Zeguro Inc. is a San Francisco-based company that develops a cyber security and cyber insurance platform specifically designed for small to medium-sized enterprises. Established in 2016, Zeguro focuses on helping these businesses identify and mitigate cyber risks through a comprehensive approach that includes micro-insurance as part of their security framework. The platform offers coverage against various cyber threats, including data breaches, business interruptions, cyber extortion, and payment fraud. Additionally, Zeguro provides cybersecurity training and monitoring services, enabling organizations to effectively assess their vulnerabilities while securing affordable and relevant cyber insurance solutions.

Cassini Systems, founded in 2014, is an innovative financial technology company with teams based in both US and UK. The founders and key personnel have extensive backgrounds in creating new and innovative financial technology and strong experience serving the asset management, hedge fund and investment banking communities. Since 2014 they have been developing a comprehensive and cohesive set of solutions to address the challenges now facing asset managers and hedge funds trading derivatives. Their growing team now numbers 16 and has over 300 years of combined experience.

PatientPay, Inc. is a health technology company founded in 2008 and based in Durham, North Carolina. It specializes in developing cloud-based solutions for billing, electronic payment, and reconciliation that address the financial complexities of the healthcare industry. The company's flagship product allows patients to pay and manage their healthcare expenses efficiently while enabling medical practices and hospitals to collect payments more effectively. By integrating seamlessly with existing practice management systems, PatientPay streamlines the payment process, reducing the labor-intensive and error-prone tasks associated with traditional billing methods. The company has been recognized as a leader in healthcare payments, supported by its patented technology that facilitates instant integration with various billing systems. PatientPay serves a diverse clientele, including individual practices, multi-location physician groups, hospital networks, and revenue cycle management service providers across the United States.

Hopscotch Inc. operates a mobile experiences platform designed for sports teams, venues, and event organizers, aiming to enhance customer loyalty and create new revenue opportunities. The company offers a suite of plug-and-play mobile services, backed by a content management system that provides valuable insights and scalability for its clients. Additionally, Hopscotch functions as a business payments network, allowing small businesses to manage invoicing and bill payments without incurring fees. It leverages transaction data to fuel Hopscotch Flow, an innovative approach to invoice factoring that serves as a primary revenue source. Headquartered in El Segundo, California, Hopscotch was acquired by Avalara in August 2024.

PointPredictive Inc. specializes in artificial intelligence risk management solutions tailored for the auto finance, consumer lending, mortgage lending, online retail, real estate, and consumer rental markets. Founded in 2013 and based in San Diego, California, the company focuses on combating fraud in automotive and mortgage lending, as well as retail sectors, by utilizing big data and advanced analytic models. Its platform develops predictive models that analyze both structured and unstructured data to identify historical fraud and risk patterns, thereby enabling lenders and retailers to mitigate risks and improve lending processes. PointPredictive's solutions help clients reduce losses from first payment and early payment defaults while minimizing false positives, ultimately saving millions of dollars annually and enhancing customer experiences through better targeting and efficiency. Additionally, the company offers fraud and risk consulting services to further support its clients.

Boost Payment Solutions, LLC operates a B2B payment platform that enhances the efficiency of commercial card payments. Founded in 2009 and based in New York, the company specializes in transforming supplier-initiated virtual card payments into a buyer-initiated experience. Its proprietary platform, Boost Intercept, simplifies the payment process by removing the need for suppliers to manually handle transactions or access card data, thereby streamlining reconciliation and lowering acceptance costs. The company also offers consulting services, including the development and management of supplier enablement programs, evaluations of commercial card payment systems, and customized financial assessments. By bridging the needs of buyers and suppliers, Boost Payment Solutions provides a secure, cost-effective alternative to traditional payment methods, facilitating seamless credit card transactions and optimizing the use of commercial cards.

Unscrambl, Inc. is an augmented intelligence company based in Atlanta, Georgia, founded in 2013. It specializes in developing a data-driven technology platform that includes Unscrambl OXYGEN and Unscrambl BRAIN, designed to provide analytics and insights for enterprises in industries such as telecommunications, healthcare, and banking. The company offers qbo, a virtual employee that functions as a digital analyst, enabling business users to interact in natural language and receive actionable insights and visualizations. Additionally, Unscrambl's qbo Campaigns platform enhances customer engagement through real-time contextual marketing, significantly improving marketing productivity. Recognized by Gartner for its innovations in Conversational Analytics and Continuous Intelligence, Unscrambl aims to streamline data analysis and visualization by aggregating and transforming data from various sources, thus enabling organizations to make informed, data-driven decisions efficiently.

Payouts Network Inc. specializes in customizable, rule-based payout and compensation solutions tailored for the digital landscape. Founded in 2013 and based in Bozeman, Montana, the company offers innovative services such as Instant Payouts and Point of Purchase Payouts. Its enterprise platform supports both B2B and B2C real-time payments, enhancing customer experiences through reduced friction and improved payment controls. Payouts Network serves diverse industries, including customer service, loyalty programs, compensation, and disbursements. The platform also allows businesses to manage digital gift card transactions from various retailers, facilitating near real-time payments to consumers, employees, and other businesses while minimizing costs and fraud.

Precise Real Estate Solutions, Inc. is a technology company that specializes in providing a collaborative loan life-cycle management platform tailored for the real estate lending industry. Founded in 2013 and based in La Jolla, California, the company offers a cloud-based solution known as PreciseRES, which serves as a central hub for lenders, borrowers, and service providers to efficiently manage documents and workflows throughout the loan process. The platform enhances communication and collaboration between stakeholders, helping to streamline operations while increasing revenue, efficiency, and compliance. By automating various aspects of loan origination and servicing, Precise Real Estate Solutions aims to reduce operating costs for private, hard money, and institutional lenders in the real estate investor lending market.

Hopscotch Inc. operates a mobile experiences platform designed for sports teams, venues, and event organizers, aiming to enhance customer loyalty and create new revenue opportunities. The company offers a suite of plug-and-play mobile services, backed by a content management system that provides valuable insights and scalability for its clients. Additionally, Hopscotch functions as a business payments network, allowing small businesses to manage invoicing and bill payments without incurring fees. It leverages transaction data to fuel Hopscotch Flow, an innovative approach to invoice factoring that serves as a primary revenue source. Headquartered in El Segundo, California, Hopscotch was acquired by Avalara in August 2024.

Payveris, LLC operates a cloud-based digital payment and money transfer platform aimed at serving financial institutions and their partners. Founded in 2011 and headquartered in Cromwell, Connecticut, Payveris provides a range of services including consumer and business bill payment solutions, account-to-account external transfers, and person-to-person payment capabilities. Customers can easily send money from their bank or credit union accounts to others via the web, smartphones, or tablets. The platform also features PayWatch, an integrated fraud prevention solution that monitors transactions across various payment types, and PayItNow, which connects financial institutions, merchants, and consumers in the payment process. Payveris has established strategic partnerships with Kony and Corelation to enhance its offerings.

Wonder Technologies, Inc. operates a marketplace for consumers to discover and purchase e-gift cards from a variety of national retailers and local specialty stores across the United States. Based in Laguna Beach, California, the company provides a platform that allows users to redeem gift cards at numerous merchants, including coffee shops, restaurants, and spas, by using their credit cards. Through its iOS application, customers can conveniently buy e-gift cards. Additionally, Wonder Technologies offers a card-linked solution designed to streamline the processes of issuing, sending, redeeming, and tracking digital promotions. This innovative approach helps merchants to quickly implement and assess the effectiveness of their marketing initiatives while enhancing customer engagement.

Hopscotch Inc. operates a mobile experiences platform designed for sports teams, venues, and event organizers, aiming to enhance customer loyalty and create new revenue opportunities. The company offers a suite of plug-and-play mobile services, backed by a content management system that provides valuable insights and scalability for its clients. Additionally, Hopscotch functions as a business payments network, allowing small businesses to manage invoicing and bill payments without incurring fees. It leverages transaction data to fuel Hopscotch Flow, an innovative approach to invoice factoring that serves as a primary revenue source. Headquartered in El Segundo, California, Hopscotch was acquired by Avalara in August 2024.

CashStar, Inc. operates a cloud-based digital gifting platform that offers comprehensive solutions for gift card commerce. The company provides various services, including CashStar Consumer, which allows users to personalize gift cards, and CashStar Marketing, which facilitates the management of promotions across multiple channels. Additionally, CashStar Business serves as a business-to-business gift card solution, while CashStar Assist enhances customer service for merchants. The platform also features CashStar Manager for prepaid commerce administration and CashStar Product eGifting, enabling online shoppers to send physical gifts via email directly from retailers' e-commerce sites. CashStar's offerings include application services, transaction processing, risk management, and marketing programs, catering to a diverse range of sectors such as retail, dining, and travel. Founded in 2002 and headquartered in Portland, Maine, CashStar operates as a subsidiary of Blackhawk Network, Inc.

TFG Card Solutions is the value leader in the payroll debit card market. TFG Card Solutions delivers the Visa® Debit Card to unbanked workers in the United States through a direct relationship with their employers. Through its relationship with the growing number of progressive employers seeking to streamline payroll operations, TFG helps employers maximize direct deposit participation among every U.S. employee.

Nvoicepay, Inc. is a fintech company that specializes in cloud-based accounts payable software solutions designed to automate and optimize electronic invoice payments. Founded in 2009 and headquartered in Beaverton, Oregon, with an additional office in San Francisco, Nvoicepay enables customers to pay all of their invoices electronically. The platform helps businesses streamline their accounts payable processes by facilitating payments to suppliers through various electronic methods, thereby reducing costs and increasing operational efficiency. Nvoicepay also offers additional services such as payment command center, supplier enablement, and customer payment support. As of 2019, it operates as a subsidiary of FleetCor Technologies, Inc., and has formed strategic partnerships to enhance its service offerings.

PeerNova, Inc. specializes in developing a blockchain-based distributed ledger technology (DLT) solution that ensures data immutability and integrity for securities exchanges and financial services. Founded in 2013 and based in San Jose, California, the company also has sales offices in New York, London, and Beijing, along with engineering centers in São Paulo and Belarus. PeerNova's platform, known as Cuneiform®, allows organizations to monitor data quality metrics and assess the suitability of their data for business purposes. This zero-code decision-science platform helps firms enhance operational efficiency by identifying and resolving critical data exceptions, enabling quicker root-cause analysis, and ensuring ongoing data reliability. By addressing reconciliation, audit, and compliance challenges, PeerNova empowers financial institutions to make informed decisions and mitigate risks associated with poor data management.

Hopscotch Inc. operates a mobile experiences platform designed for sports teams, venues, and event organizers, aiming to enhance customer loyalty and create new revenue opportunities. The company offers a suite of plug-and-play mobile services, backed by a content management system that provides valuable insights and scalability for its clients. Additionally, Hopscotch functions as a business payments network, allowing small businesses to manage invoicing and bill payments without incurring fees. It leverages transaction data to fuel Hopscotch Flow, an innovative approach to invoice factoring that serves as a primary revenue source. Headquartered in El Segundo, California, Hopscotch was acquired by Avalara in August 2024.

TFG Card Solutions is the value leader in the payroll debit card market. TFG Card Solutions delivers the Visa® Debit Card to unbanked workers in the United States through a direct relationship with their employers. Through its relationship with the growing number of progressive employers seeking to streamline payroll operations, TFG helps employers maximize direct deposit participation among every U.S. employee.

vWise is a technology company that specializes in developing integrated solutions aimed at enhancing operational efficiency and profitability in the Defined Contribution market. Founded in 2006 and based in Aliso Viejo, California, vWise offers its award-winning VMAX Solutions, which include SmartPlan, a sophisticated platform designed for participant education, enrollment, and analytics. The company's data-enabled experience platform leverages behavioral finance principles to create an interactive engagement experience tailored to the preferences of modern digital users. This enables financial services providers and advisors to effectively engage their audiences, optimize operations, and ultimately expand their market reach while lowering costs.

PatientPay, Inc. is a health technology company founded in 2008 and based in Durham, North Carolina. It specializes in developing cloud-based solutions for billing, electronic payment, and reconciliation that address the financial complexities of the healthcare industry. The company's flagship product allows patients to pay and manage their healthcare expenses efficiently while enabling medical practices and hospitals to collect payments more effectively. By integrating seamlessly with existing practice management systems, PatientPay streamlines the payment process, reducing the labor-intensive and error-prone tasks associated with traditional billing methods. The company has been recognized as a leader in healthcare payments, supported by its patented technology that facilitates instant integration with various billing systems. PatientPay serves a diverse clientele, including individual practices, multi-location physician groups, hospital networks, and revenue cycle management service providers across the United States.

SOLE Financial is a payroll card provider that offers instant and affordable wage access for workers, particularly targeting unbanked and under-banked employees. By providing customizable payroll cards, SOLE Financial helps eliminate the logistical challenges and costs associated with paper checks, while also presenting a low-cost alternative to predatory check-cashing services. This approach not only facilitates financial inclusion for workers but also assists companies in transitioning to paperless payment systems, enabling employees to access their earnings promptly and efficiently.

Nonstop Administration and Insurance Services, Inc. is a company that specializes in self-insured healthcare programs tailored for nonprofits. Founded in 2012 and headquartered in Concord, California, with additional offices in Portland, Oregon, and El Segundo, California, Nonstop Health aims to mitigate the rising costs of healthcare. The company offers a range of services including consolidated billing, transaction facilitation, and benefits administration. By operating as a healthcare insurance agency and third-party administrator, Nonstop Health utilizes technology to help employers and employees manage healthcare expenses more effectively while enhancing the overall benefits experience.