Symphony, a financial technology company, is building a savings app that lets users earn credit-card-style points on their savings with a fixed 5% APY.
Partnered with 15+ leading global airlines and hotel groups, Symphony allows consumers to redeem points for travel and exclusive experiences.
Symphony, a fintech company redefining modern savings, launched a consumer savings app that enables users to grow their money while earning points for flights, hotels, and experiences. By combining a fixed 5% APY with rewards on every dollar saved, Symphony introduces a new category of savings – one that rewards for saving instead of spending.
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“With Symphony, consumers can earn points by saving and use them for experiences they actually want, like luxury travel, flights, hotels, and exclusive events.” — Symphony Co-Founder and CEO Vik Chawla.
At a time when consumers are increasingly pushed toward high-risk financial behavior, Symphony offers an alternative – making saving as rewarding as spending. With a fixed 5% APY and the ability to earn interest as points, the app helps U.S. consumers build wealth while unlocking meaningful, real-life rewards.
Built over the past three years, Symphony’s infrastructure has processed more than $500 million in volume and is used by fintechs, and AI companies. Now, it powers a mass-market savings product, with USDC, a US dollar-denominated payment stablecoin, enabling near-instant settlement and seamless global access.
“For decades, the financial system has rewarded spending over saving. We built Symphony to flip that equation,” said Symphony Co-Founder and CEO Vik Chawla. “With Symphony, consumers can earn points by saving and use them for experiences they actually want, like luxury travel, flights, hotels, and exclusive events.”
Symphony allows customers to redeem points for travel experiences through its integration with Odynn’s Awayz platform. Consumers can book international and domestic flights as well as premier global hotels within the app using Symphony points.
“Symphony is creating a new model where financial wellness and meaningful experiences can go hand in hand,” added John Taylor Garner, Founder and CEO of Odynn. “By embedding Odynn’s Awayz travel platform into Symphony’s app, we’re making it simple for users to book travel while maximizing the value of their points and turn their savings into travel.”
The Symphony app is powered by Modern Treasury, which provides the underlying payments infrastructure, stablecoin orchestration, and compliance systems that support secure and reliable transactions. With capabilities across ACH, wire, RTP, and FedNow, and stablecoin on- and off- ramps, users can trust that their money is moving safely and efficiently.
“Symphony is rethinking the consumer financial experience from the ground up, and that starts with strong, dependable payments infrastructure,” said Matt Marcus, Co-Founder and CEO of Modern Treasury. “We’re proud to support Symphony’s platform with the systems needed to ensure every transaction is secure, compliant, and reliable.”
Inspired by the simplicity and calm of meditation apps, Symphony is designed to make your savings account feel easy and seamlessly rewarding, something traditional financial products have rarely achieved.
Symphony’s app features include:
- Earn your way: Choose between maximizing interest or earning more points based on your goals.
- Watch your growth: See how your savings and rewards build over time with clear, real-time tracking.
- Save automatically: Set up recurring deposits to make saving consistent and effortless.
- All-in-one dashboard: Manage your money and rewards in one place, without juggling multiple apps.
- Secure and safe: Using bank-grade encryption and multiple layers of eligible coverage and advanced, proprietary technology, users can be sure their funds are safe.
- Real-time support: Access AI assistance with the option to connect to a real person.
Founded in 2023 by veterans of Axelar, Blackstone, CNN, ConsenSys, Deloitte, Ernst & Young, Hermeus, Kraken, Northrop Grumman, and WeWork, Symphony brings together deep expertise across AI, blockchain, consumer scale, and autonomous finance to deliver institutional-grade, scalable infrastructure.
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