Help Centre

Account Protection

At Mosaic we take your privacy very seriously, and use bank-level security on all of our products. All personal information stored with Mosaic is encrypted and communicated securely using SSL and 128-bit encryption.

We are also required by the Privacy Act 1988 to take certain steps when collecting your personal information – for more information please refer to our Privacy Policy.

Account Details

If at any point you wish to create, update or delete an account with Mosaic and are unable to do so, please contact us directly at  You can also update passwords, account details and more within the app by navigating to settings in the menu.

Signing up for Mosaic

As Mosaic is currently under construction, we are unable to offer a fully functioning version of the Application. In Mid-2017 we ran Beta Trials of the product, using $1,000 of virtual currency with the trial ending November 2017. We are running ongoing closed trials as the product moves towards commercialisation and encourage interested parties to get in contact with us via

Why Mosaic

Mosaic is the only platform available in Australia that allows you to invest in major brands both domestically and globally with no commisions. Combine this with flawless design and an intuitive user experience puts Mosaic at the forefront of innovative investing solutions.

Forgotten Password

If you’ve forgotten your password, please contact us directly to reset on the spot or use the live chat. We will have your account recovered within 2 hours.

We will have functionality in place to handle on the spot account recovery shortly.

Trading on Mosaic

Mosaic allows users to invest in a list of popular global and domestic equities at the touch of a button. Trades are executed at 16:30 AEST, at the market price at the time of execution. On occasion, the markets may reject your order based on varying circumstances. More information about this is contained below.

Orders and Executions

When users place an order on the Mosaic Platform, that order is first matched to a corresponding internal buyer or seller where appropriate. If an order is unable to be met from internal demand, then the order is filled via external markets.

The price executed is the market price at the time of sale.

How does it work

At Mosaic, we have a legal structure and investment engine working in the background to enable us to streamline the process of investing for you. If you would like more information please contact us directly.

Day or Option Trading

Mosaic does not allow day or option trading. We aim to encourage long-term investing.

Tax Centre

All corresponding taxation document will generated at the End of Financial Year, or earlier upon request. Mosaic does not assume any liability for any tax related incidents that fall on individual investors and we recommend speaking to a tax advisor where appropriate.

About MosaicBeta

MosaicBeta is the first publicly available development of the Mosaic product. In it we are giving participants $1000 of virtual currency to invest in real companies both domestically and globally – while using the MosaicBeta interface.

Feedback and Testing

As this is the Beta version of the product, we advise all users that there may be small technical glitches and continual updates of the Application. We are thankful for your patience and understanding in this matter.

Further, we welcome all feedback in any form, and are also looking to conduct test groups during the second half of 2017. If you are interested, we encourage you to get in contact with us directly.


As part of the MosaicBeta launch, there will be competitions running throughout the trial period. Current users will receive notifications of upcoming competitions as well as invites sent to our mailing list. All competitions will be made readily available and accessible though our Website. For any further questions we encourage you to contact us directly.

Changes to your account

Should you for any reason need to change your account (incorrect email, changing password etc.) this can be completed by navigating to the setting page of the Mosaic Application. This is located by sliding the Home Screen to the right, then clicking the settings icon located at the top left-hand of the page.

For any other matter that can not be resolved, please get in contact with us directly.


Located in the same place (at the top right of the page) is a referral link. This will automatically generate an email allowing you to send to your friends and family an invite to MosaicBeta. You will also receive an extra $10 of virtual currency for each new successful application.

Delete my Account

We are in the process of creating an account deletion interface in MosaicBeta. Until such time that it has been integrated, please contact us at and notify us of your intention to delete your account. This will be processed as soon as possible.

Who is Mosaic?

Mosaic is a Financial Services Company founded by Sam Nixon and Matt Jones in early 2017. Mosaic currently resides in Stone & Chalk in the Sydney CBD, and is backed by one of Australia’s most notable investors – H2 Ventures.

What’s Mosaic’s Story?

Matt and Sam met during a Hackathon event in 2016 hosted by H2 Ventures. After spending 48 hours building an investment framework to help Millennials have access to the housing market they realised that the problem was with investing more broadly, and thus Mosaic was born.

How do Mosaic make Money?

Mosaic charges no commissions, with a Funds under Management charge beginning at 0.5% and reducing in amount dependent upon certain behaviour (i.e. diversification through 5+ investments attracts at 10% discount).


We’re always looking for smart, financially aware individuals with a passion for investing, finance and technology. If you live and breathe innovation and are interested in joining the team at Mosaic, please refer to Career Page for more information.

Mosaic API and Integration

Mosaic does not have a publicly available API but are working to provide a platform in the future. If you are interested in working with our API please navigate to our Developer Page and leave an expression of interest.

Contact Us

For general stuff, drop an email to and the whole team will see it.

For direct contact about technology, marketing, trading and opportunities, Mat can be contacted at

For all things business, legal and finance, Sam can be contacted at

How does Mosaic’s Fee Structure work?

Mosaic has designed a low-cost investing solution that is designed to encourage and support correct investing behaviour.

This allows us to not charge any commissions, instead charging a flat fee of 0.5% per year on funds under management.

However, Mosaic wants to support and encourage correct financial behaviour and have therefore developed a Goal Investing Framework that provides certain incentives to enable this. Therefore, when a person:

  •  Holds 5+ investments = 5% discount on fees;
  • Sets up an auto-investment = 10% discount on fees;
  • Holds asset for longer than 12 months = 10% discount for the fees on the asset;
  • Funds exceed $1,000 = 5% discount on fees;
  • Funds exceed $10,000 = 5% discount on fees.
  • Funds exceed $20,000 = 5% discount on fees.

How do I sign up?

Mosaic is currently under development and will be available for early-release in mid 2018. To be one of the first in line we encourage you to join our waitlist and beginning referring friends.

How do I transfer and withdraw money?

Rather then providing a seperate cash management account Mosaic draws directly from your transactional bank account, allowing for a seamless wealth experience.

This allows for money to be deposited and withdrawn directly from your one location.

When will Mosaic be ready for use?

Mosaic plans on early release in mid-July 2018.

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