Operator
Mosaic Technologies, an exempted company incorporated in the Cayman Islands (registration number 426921), operates the Mosaic platform from George Town, Grand Cayman. Mosaic Technologies is a technology and program provider. Mosaic is not a bank and is not licensed or registered under the Banks and Trust Companies Act, the Money Services Act, the Virtual Asset (Service Providers) Act or the Securities Investment Business Act of the Cayman Islands. Mosaic does not hold, control or transmit customer funds or digital assets. Each financial service on the platform is provided by the licensed provider identified below under a separate agreement with the customer.
Accounts and payments
U.S. dollar accounts and payments are provided by Dakota Ridge, Inc. through its partner bank, Lead Bank, Member FDIC, under the customer's agreement with Dakota, which issues account and routing numbers in the customer's company name. Mosaic provides the platform through which customers instruct and manage those services.
Regulated investment services
Regulated treasury products are provided by Mosaic Capital Inc., an affiliate of Mosaic Technologies registered with the Cayman Islands Monetary Authority under the Securities Investment Business Act, to clients who qualify as sophisticated persons or high net worth persons under that Act. The terms of each product are set out in the documentation provided to eligible clients.
Stablecoins and digital assets
Stablecoin conversion, transfer and custody are provided by Dakota Ridge, Inc. under the customer's agreement with them. Mosaic does not hold private keys or customer digital assets. The regulatory status of any stablecoin is determined by its issuer.
Cards
Business cards are issued by Third National under licence from Visa; the card program is managed by Rain (Signify Holdings, Inc.). Cards are not available to U.S. persons. In the Cayman Islands, cards are available only to exempted entities.
Anti-money laundering
Mosaic and its partners apply customer due diligence, sanctions screening and transaction monitoring in accordance with the Cayman Islands Anti-Money Laundering Regulations and the laws of the jurisdictions in which partners operate. We may decline, delay or restrict any application or transaction to meet those obligations.
Data protection
Personal data is processed in accordance with the Cayman Islands Data Protection Act (2021 Revision). See our Privacy Policy.
Complaints
If you have a complaint about our services, email support@mosaic.ky or use the in app chat. We will acknowledge it promptly and tell you how it will be handled and, where a partner is responsible for the service concerned, how to raise it with them.