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.

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 honest: 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

One person, full-time job, young family — I ship steadily rather than aggressively, and I would rather be honest 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.