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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. 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, Agentic AI Travel Concierge - AI-powered travel concierge via API or white label

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, Symphony, Atomic, Rentd

Notable customers

ANZ Bank, Flight Centre, Bilt Rewards, Curve, Loop, Fasten Rewards, Symphony, Rentd

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, Achieved SOC 2 Type II compliance (2026), Launched Agentic AI Travel Concierge product, Partnership with Symphony savings platform (June 2026)

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. Achieved SOC 2 Type II compliance in 2026.

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 (2020-2022). Previously founded Card Curator (later rebranded to Odynn). Member of Forbes Advisor Advisory Board. Recognized as Phocuswright 35 under 35.

Latest news about Odynn

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