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
- Odynn closed a $9.5M seed round led by Bonfire Ventures and co‑led by Fiat Ventures, boosting its AI‑driven travel, loyalty and fintech platform. The funding will accelerate rollout of white‑label tra
- Odynn raised $9.5M to transform bank travel loyalty portals with AI infrastructure that cuts deployment from 18+ months to 2-8 weeks and reduces costs by 95%. Early results show 364% higher points red
More AI in Fintech companies
Official website: https://www.odynn.com/