A new partnership gives banks and fintechs an integrated path to the travel, loyalty, and agentic banking capabilities that drive everyday engagement

Atomic, the platform powering connected financial experiences, and Odynn, an AI-powered travel loyalty and rewards platform, today announced a strategic partnership that gives financial institutions a more complete toolkit for winning — and keeping — primary card status with their customers.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260707027555/en/

The challenge for most banks and fintechs isn't acquiring customers; it is becoming indispensable to them. In a market saturated with competing offers, a card’s "primary" status is no longer determined by initial acquisition, but by which institution best earns the user's daily spending. Travel rewards and loyalty programs have long been one of the most effective tools for driving that kind of stickiness, but for most financial institutions outside of the largest issuers, building a compelling travel and loyalty experience has meant significant investment in technology, partnerships, and ongoing maintenance that most teams aren't resourced to take on.

Atomic and Odynn have closed this gap, allowing financial institutions to launch sophisticated travel and loyalty experiences efficiently. Odynn's platform gives financial institutions the infrastructure to launch embedded travel and loyalty experiences — customizable travel portals, side-by-side points and cash pricing on flights and hotels, and a unified view of a customer's loyalty balances, travel credits, and card perks across airlines and hotel chains — without building any of it from scratch.

The partnership also includes a direct product integration. Odynn's Traveler DNA™, which brings a user's loyalty accounts, balances, and benefits into one connected experience, utilizes Atomic's Uplink as part of its secure account connectivity layer. From there, Traveler DNA enables deeper loyalty intelligence, personalization, optimization, and engagement across the customer journey. Uplink is an on-device browser automation platform, meaning the connections to a user's airline and hotel accounts are executed directly on the user's own device, and credentials never pass through any external server. For financial institutions evaluating travel and loyalty vendors, that distinction matters: their customers are trusting them with sensitive account access, and the underlying infrastructure should reflect that.

Atomic Co-Founder and CEO Jordan Wright said the partnership reflects a shared vision for helping financial institutions become their customers' primary financial relationship. "The institutions that will win the next decade of banking are the ones that show up in their customers' lives beyond the transaction. Travel is one of the highest-engagement, highest-emotional-value categories there is and most institutions don't have a good answer for it today. Odynn has built the infrastructure to change that, and our partnership on Traveler DNA is a reflection of how aligned we are on doing it the right way, particularly when it comes to how user credentials are handled."

Odynn Founder and CEO John Taylor Garner added, "At Odynn, we are focused on helping financial institutions turn travel and loyalty into a more connected, personalized, and valuable customer experience. Banks, fintechs, and card issuers should not have to spend years building the infrastructure required to deliver modern rewards experiences. Through this partnership with Atomic, we can help institutions move faster while maintaining a high standard for secure, user-permissioned account connectivity. Together, Odynn and Atomic are giving financial institutions a more practical path to launch travel and loyalty programs that deepen customer engagement, increase card preference, and create lasting value."

About Atomic

Atomic transforms digital banking from a place to monitor finances into a place to take actions on them. Trusted by over 250 financial institutions and fintech firms including 9 of the top 10 financial institutions and 12 of the top 20 fintechs. Since pioneering direct deposit switching, Atomic has expanded into a full platform built around three layers: Connect, which establishes persistent, user-permissioned access to payroll systems, merchants, and more; Discover, which surfaces actionable insights from live transaction and merchant data; and Act, which enables customers to take meaningful financial actions from payment switching and bill management to direct deposit without ever leaving their banking app. Atomic's authentication product, Uplink, enables secure, on-device access to any user-permissioned system, across any industry. Learn more at atomic.financial.

About Odynn

Odynn is an AI-powered, fully modular platform that helps fintechs, banks, card issuers, and travel companies launch embedded travel, loyalty, and rewards experiences faster and more efficiently. Through its white-label solutions and flexible APIs, Odynn enables partners to offer customizable travel portals, loyalty intelligence, rewards optimization, and personalized customer engagement tools without building the infrastructure from scratch. The platform helps drive cardholder engagement, increase retention, and unlock new revenue streams across travel and loyalty. Think Shopify for loyalty and travel. For more information, visit www.odynn.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260707027555/en/

The institutions that win the next decade of banking are the ones that show up in customers' lives beyond the transaction.