A full financial operating system.
Ledgers, receivables, payables, banking, tax and reporting — a complete accounting engine with AI doing the busywork and double‑entry integrity enforced at the core.
The financial operating system
The financial operating system, built for the future.
Mosaic Hub is a self‑service online platform for accounting, payroll and personal money — built on cutting‑edge technology that takes finance into the future. Reconcile your bank feeds in moments, connect everything through an open API, and keep your numbers live and secure at hub.mosaic.co.za. Come along!
The platform
Three pillars. One secure platform.
Mosaic Hub replaces a stack of disconnected tools with one AI‑native platform — for the business, the household and the team behind it.
Personal money, made visual.
Track income, spending and savings goals with a personal money tracker and live dashboards — the same engineering rigour, pointed at the household.
Payroll and the connected team.
End‑to‑end payroll, payslips and EMP submissions, alongside connected workforce operations — people and pay, governed and audit‑ready.
Numbers · financial OS
Accounting engineered like a trading desk.
Not a bookkeeping app with AI bolted on — a financial operating system with ingestion, reconciliation, taxation, reporting and trust controls built into the core.
Smart Bank Ingestion
Bring in any account, any format — and let the platform read it for you.
- OFX / QFX with account and currency consistency checks.
- CSV / XLS / XLSX with automatic column detection and validation.
- PDF statements read by an AI document‑extraction pipeline.
- Bank, cash and crypto accounts, all in one reconciled ledger.
Import
Drop OFX, CSV or a PDF statement.
Extract
AI reads and structures every line.
Match
Confident matches reconcile automatically.
Report
Management accounts update live.
Reconciliation Studio
Single or multi‑line, manual or automatic — reconciliation that thinks before it suggests.
- Auto‑reconcile confident matches in seconds.
- Single and multiple reconciliation modes for complex entries.
- Match strategy hints and filter tooling for the edge cases.
- Reconciliation summary so nothing is left unexplained.
Supplier paymentMatched
Customer receiptMatched
Split deposit (3)Suggested
Bank chargesMatched
Taxation & Reporting Suite
From VAT to statutory accounts — with an XBRL‑aware data model underneath.
- VAT, income and deferred tax workflows that stay reconciled to the ledger.
- VAT return locks that prevent mutation of locked transactions.
- Management & statutory reporting, financial analysis and custom reports.
- XBRL‑aware classification, balance nature and period‑type handling.
Income statementGenerated
Balance sheetBalanced
VAT 201Locked
Annual financial statementsXBRL-ready
Documents, Controls & Trust
Every document generated, delivered and verifiable — with financial integrity enforced in code.
- PDF generation for invoices, quotes, credit notes, bills, statements and reports.
- Document verification with hashed codes, expiries and access counters.
- Double‑entry enforcement and controlled status transitions at source.
- Settlement engines for receivables and payables, fully audited.
Tax invoice #INV-0042Verified
Hash checkPassed
Double-entry balance0.00
Audit trailComplete
Developers & AI
Your data, open to your tools and your AI.
Mosaic Hub ships a first‑class developer surface: a versioned, HMAC‑signed REST API and a Model Context Protocol server that lets ChatGPT, Claude, Cursor and Zed read your finances — safely, scoped and revocably.
An API built for financial operations.
Not CRUD endpoints — lifecycle transitions with the integrity checks a finance system demands.
- HMAC‑SHA256 signing with timestamp, nonce and anti‑replay protection.
- Idempotency keys so a retried payment is never a duplicate.
- Lifecycle endpoints — create, commit, void, accept and convert with lock checks.
- OpenAPI 3.2 spec and RFC 7807 problem responses; breaking changes only under a new version.
/v1/healthz
/v1/numbers-receivables-invoices
/v1/numbers-receivables-quotes
/v1/numbers-receivables-credit-notes
/v1/numbers-spending-methods
# Create, then convert a quote to an invoice
POST /v1/numbers-receivables-quotes
Authorization: "Mosaic-HMAC-SHA256 ..."
X-Mosaic-Timestamp: "1749810600"
X-Mosaic-Nonce: "9f8e7d..."
Idempotency-Key: "qte-0007"
# 201 -> commit -> accept -> convert
{ "status": "converted",
"invoice": "INV-0042" }Connect your AI with guardrails.
The Mosaic Hub MCP server turns your finances into safe context for any AI assistant.
- Read‑only by default. AI can see, never silently change, your data.
- Scoped permissions. Grant exactly the domains you choose.
- OAuth 2.1 + PKCE with dynamic client registration and token hashing at rest.
- Revocable connections. Cut off any connected app instantly, with cascade.
mcp:numbers:read
mcp:people:read
mcp:personal:read
ChatGPT
Claude
Cursor
Zed
Claude numbers:readActive
ChatGPT personal:readActive
Token storageHashed
Revoke access1 click
Why Mosaic Hub
A sharper way to run your finances.
The same accounting essentials — engineered in‑house on modern technology, and open to your tools and your AI from day one.
| Capability | Mosaic Hub | Legacy platforms |
|---|---|---|
| AI bank reconciliation | Built in | Add-on / partial |
| PDF statement extraction | Yes | Manual |
| Model Context Protocol (AI) | Native | No |
| HMAC-signed open API | Yes | Varies |
| XBRL-aware reporting | Yes | Limited |
| Document verification & trust | Yes | No |
| Built and run in South Africa | Yes | Offshore |
hub.mosaic.co.za
Your numbers, live, secure and yours.
Mosaic Hub puts you in control: a self‑service platform where AI reconciles, categorises and reports, while your data stays private to you and your clients.
- AI bank, cash and cryptocurrency reconciliation
- Real‑time management accounts and personal dashboards
- OTP‑secured access with a complete audit trail
Get started
Get early access to Mosaic Hub.
Tell us about you or your business and we will set you up on the platform.
- Self‑service, no long‑term contracts
- AI assistants included in every module
- Your data stays private and secure