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 is a developer of a security platform that focuses on protecting digital transactions against various threats, including on-device, cloud, and network attacks. Its technology, based on a software TEE (Trusted Execution Environment), allows for the secure management and deployment of IoT and mobile solutions on a large scale. Unlike traditional hardware-based security tools, MagicCube's platform offers a comparable level of protection without the associated complexities and costs, making it easier for businesses to safeguard their operations. This innovative approach helps to prevent significant security issues such as cloning, lifting, spoofing, and tampering, thereby enhancing the overall security posture of its clients.

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 protocol for NFT rentals and mortgages. The company offers two types of NFT mortgages. Seller financing requires no security and allows customers to purchase NFTs in installments. Network financing, which allows you to buy an NFT with a loan.

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 provides individual contractors, freelancers, and small businesses with financial tools and solutions. It offers an application that enables its users to manage and spend their earnings through their Qwil debit card. Qwil also enables its users to earn and spend money before they are paid for their services. The company was founded in 2015 and is based in San Francisco, California.

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 is a leading B2B acquirer providing organizations with ground-breaking solutions and technology to optimize commercial card payments and acceptance making the migration of paper-based payments to electronic alternatives easy and seamless. Boost Intercept, the company’s innovative payment platform, streamlines commercial card payments by eliminating the need for suppliers to manually process transactions or access card data, expediting reconciliation and reducing the cost of acceptance. Boost Intercept enables suppliers to optimize their card acceptance by supporting “ghost” or single-use cards, without the need to log on to multiple portals, “hunt down” card data and manually process transactions; all of which are resource intensive and present potential data security issues.

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 is a leading B2B acquirer providing organizations with ground-breaking solutions and technology to optimize commercial card payments and acceptance making the migration of paper-based payments to electronic alternatives easy and seamless. Boost Intercept, the company’s innovative payment platform, streamlines commercial card payments by eliminating the need for suppliers to manually process transactions or access card data, expediting reconciliation and reducing the cost of acceptance. Boost Intercept enables suppliers to optimize their card acceptance by supporting “ghost” or single-use cards, without the need to log on to multiple portals, “hunt down” card data and manually process transactions; all of which are resource intensive and present potential data security issues.

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 is a Saas based loan origination and servicing platform for private, hard money, and institutional lenders in the real estate investor lending market. They solve their customers' problems by increasing revenue, efficiency, and compliance while reducing operating costs. It also offers loan lifecycle management solutions for the real estate industry to integrate and automate workflow between lenders, borrowers, and service providers. Precise Real Estate Solutions was founded in 2013 and is based in La Jolla, California, 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.

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 is revolutionizing the digital gifting and incentives market to make issuing, sending, redeeming and tracking digital promotions fast, easy and impactful. Wonder’s innovative card-linked solution leverages the current payment and mobile ecosystems to deliver a faster ROI, lower implementation costs and increase customer engagement. With Wonder, merchants can immediately launch and measure the success of their marketing initiatives with actionable data and insights. Please visit www.gowonder.com for more information.

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 is a fintech platform that delivers strategic payment solutions to automate accounts payable. They enable customers to pay 100% of their invoices electronically while realizing the financial benefits of payment optimization. It streamlines the way companies pay their accounts payable invoices through electronic payments. By paying the right suppliers with the right payment type at the right time, their cloud-based technology and vendor payment services help customers reduce costs, increase efficiencies, and maximize card rebates, all with minimal effort. They offer an intelligence-driven payment automation solution purpose-built for the most complex enterprises.

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 an advanced integrated solution to lower costs, increase enrollment, and expand market reach. vWise’s award-winning VMAX Solutions are an integrated suite of business solutions for the Defined Contribution market that maximize operational efficiency and increase effectiveness and profitability. VMAX Solutions include SmartPlan – the industry’s most advanced platform for participant education, enrollment, and analytics. The company was founded in 2006 and is based in Aliso Viejo, California.

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 Wellness provides insurance services. They offer services that include financial management for brokers, finance executives, employee recruitment and retention, cost savings, and level-set pricing.