Built in Longueuil, for the household I actually live in.

The tool I kept hoping someone else would build

I had cards at one bank, a mortgage at another, investments at two brokerages, and US-dollar holdings left over from a stint south of the border. I tried Monarch, a beautiful product, but it cannot reason about CAD and USD in the same household without quietly lying to you about your net worth. I looked at Wealthica, the closest thing Canada has to an aggregator, but it doesn't touch budgeting or cash flow. Mint shut down. Hardbacon shut down. The rest comes from a brokerage that wants you to trade more, a bank that wants you in its single ecosystem, or a US-first product that doesn't understand TFSAs, RRSPs, RESPs, or FHSAs. So I built Mozaic for myself: one calm, neutral place to see the cards, the mortgage, the brokerages, and the manual assets, in the currencies I actually hold them in.

One founder, one product, one household tested it first

Before I let anyone else use it, Mozaic ran on my own household's accounts for over a year, which means most early decisions were made by the person who would have to live with them. I am French, moved to Canada ten years ago (Toronto first, where I picked up data engineering and analytics), then Montréal, where I had my first child. Today I live in Longueuil on the south shore, and I spend the hours outside work either running and cycling along the river or reading more personal-finance writing than is probably healthy. My day job is data engineer at Lynx Analytics; Mozaic is the side project that turned into something serious.

If you want to check the credentials behind the keyboard, my professional background lives on LinkedIn.

Longueuil, Québec, and your account data stays in Canada

The product is built bilingually from day one: French and English in parallel on every screen, every email, every legal page, with Spanish and Mandarin alongside. That is not a translation layer bolted onto a US product; it is how the codebase is structured, because that is how my household actually reads. Your Mozaic account data is stored in Google Cloud's northamerica-northeast1 region (the Montréal data centre). Plaid and SnapTrade, the providers we use to read your bank and brokerage data, may process data in the United States under their own privacy policies, linked from our privacy policy. I chose Montréal residency to align cleanly with PIPEDA federally and Québec's Law 25, the two privacy regimes most users actually live under. The full set of services and infrastructure Mozaic runs on is public. See the tool stack.

No ads, no data sales, no advice, no moving your money

Mozaic does not run an ad network. I do not sell, rent, or share your data with advertisers, data brokers, or research firms. Bank and brokerage connections are read-only: the tokens I hold cannot transfer funds, place trades, or change positions, and that is the permission scope your institution confirms to you before issuing the token. Mozaic is a dashboard that shows you what you have, not what to do with it. I am not a financial planner, and nothing here is financial advice. The surface I touch is deliberately small, because a small surface is one I can defend.

A subscription, not an ad model, on purpose

Mozaic is funded by subscriptions. That is the entire revenue model, and I kept it that way on purpose: the moment a user becomes a product instead of a customer, every other commitment on this page starts to bend. A subscription business gets paid by the people using the product, so the incentives line up: better product, longer relationships, no quiet pressure to monetise attention or resell data behind the scenes. The tradeoff is plain: it costs a few dollars a month, and you can see the prices and the full feature set on the pricing page.

Your data is yours, and so is the exit

Your data is yours. Mozaic exports everything as CSV or PDF from Settings at any time, and that capability survives whatever happens to me, because the export is in the product, not a promise. If I ever wind the product down, the wind-down email will land before the lights go off.

Modest pace, shipped in public

• May 2026 Published a supported-institutions page, so you can confirm your bank or brokerage connects before signing up.
• April 2026 Moved cash-flow categorisation to a sharper model: fewer "uncategorised" lines to clean up.
• March 2026 Rebuilt brokerage reconnects, so a dropped link tells you exactly what to fix instead of failing quietly.

One person, full-time job, young family. I ship steadily rather than aggressively, and I would rather be upfront about that than promise velocity I cannot deliver. The current focus is depth on what already exists (better Canadian brokerage coverage, smarter cash-flow categorisation, calmer alerts) before reaching for adjacent surfaces. The blog is where I write about what I am working on and why. If something is missing for your setup, write to laurent.risser@mozaicfinance.com. I read every message, and a surprising number of features started as a single user's email.