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An economy where people own their financial lives, and ecosystems compete to serve them.

Building financial systems for user ownership and ecosystem‑delivered financial services.

About us

We come from building financial and technology systems inside complex, regulated environments.

Over time, we saw a growing mismatch: people were expected to trust financial systems they didn’t own, while institutions were being pushed into ecosystem models they weren’t designed for.

 

Blockmosaic was created to close that gap.

 

We’re building financial systems that allow individuals to truly own their financial lives, while enabling institutions and ecosystems to serve them responsibly.

 

Our focus is long‑term: designing for trust, scale, and real‑world constraints—not hype or experimentation.

Our Platform

A Cohesive System, Delivered Through Specialized Solutions

Blockmosaic delivers its vision through a portfolio of complementary solutions, each designed for a specific role within the financial ecosystem. Together, they connect institutions and individuals without introducing new intermediaries.

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SIXTHLOD

(www.sixthlod.com)

SIXTH LINE OF DEFENSE

Institutional ecosystem safety
Helping financial institutions safely operate assets and services in open, ecosystem‑based financial environments.

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USERFI MCP
(Coming soon)

USERFI MCP

Coordination without intermediaries
Enabling the coordination of user‑owned and institution‑delivered financial services—without introducing a new intermediary.

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PENDPOINT
(Coming Soon)

PERSONAL ENDPOINT

Where ownership lives
A user‑owned financial control layer that gives individuals control over their data, identity, and financial interactions.

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