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Odynn

Category: AI in Fintech

An AI-powered, fully modular infrastructure platform that enables banks, fintechs, card issuers, and travel companies to launch embedded travel, loyalty, and rewards programs through white-label solutions and APIs. Odynn was founded in 2022. The company is led by John Taylor Garner. Based in New York, United States. Team size: 11-50. Total funding raised: $9.5M. Latest round: Seed ($9.5M, Feb 2026). Key investors include ["Bonfire Ventures","Fiat Ventures"].

Founded
2022
Headquarters
New York, United States
Team size
11-50
Total funding
$9.5M

Value proposition

Enables financial institutions to deploy personalized, AI-driven branded travel portals in weeks rather than years, driving 108% increase in portal visits, 2.24x increase in bookings, and 364% increase in points redemptions compared to legacy providers.

Products and solutions

["Awayz® - White-label holistic travel portal","Card Curator® - AI-powered credit card recommendation engine","Traveler DNA™ API - Personalization engine","Awayz Data - Loyalty pricing and travel data APIs","BaaS Platform - Fully customizable APIs and white-label solutions"]

Unique value

First and only true independent awards optimization platform utilizing proprietary CardArb™ algorithm and Traveler DNA™ technology to deliver real-time, personalized travel recommendations across 50,000+ hotel properties.

Target customer

Banks, fintechs, credit card issuers, travel technology companies, Banking-as-a-Service (BaaS) providers, and corporate travel management companies

Industries served

["Fintech","Banking","Credit Card Issuing","Travel Technology","Loyalty & Rewards","Banking-as-a-Service (BaaS)"]

Technology advantage

Single codebase architecture with native AI personalization capabilities enables rapid deployment (as little as 2 weeks vs. 12-24 months for traditional solutions) and modular components for flexible implementation.

How they differentiate

First independent AI-powered awards optimization platform with proprietary CardArb™ algorithm and Traveler DNA™ technology, enabling rapid deployment in 2 weeks vs 12-24 months for legacy solutions.

Main competitors

["Switchfly","Antavo","Arrivia"]

Key partnerships

["Wildfire","Plusgrade","Duffel","ANZ Bank","Bilt Rewards","Flight Centre","Curve","Loop","Fasten Rewards"]

Notable customers

["ANZ Bank","Flight Centre","Bilt Rewards","Curve","Loop","Fasten Rewards"]

Major milestones

["Raised $9.5M seed funding led by Bonfire Ventures (Feb 2026)","Strategic partnership with Bilt Rewards","Technology partnerships with Wildfire, Plusgrade, and Duffel","Platform coverage expanded to 50,000+ hotel properties","Founder recognized as Phocuswright 35 under 35"]

Growth metrics

Reached $40k MRR as of September 2024; 108% increase in travel portal visits, 2.24x increase in total travel bookings, and 364% increase in travel points redemptions compared to legacy providers

Market positioning

Early-stage AI-native challenger in the travel loyalty infrastructure space, positioning as the 'AI Shopify for loyalty and travel'

Geographic focus

Global presence with headquarters in New York, United States; notable enterprise customers across North America and Asia-Pacific regions (ANZ Bank)

Patents and IP

Proprietary CardArb™ algorithm and Traveler DNA™ technology (no registered patents publicly disclosed)

About John Taylor Garner

Over 5 years as a volatility trader at Merrill Lynch, running the international macro cross-asset volatility book. MBA from The Wharton School (2011-2013). Previously founded Card Curator (later rebranded to Odynn). Member of Forbes Advisor Advisory Board. Recognized as Phocuswright 35 under 35.

Official website: