It's always day one

Its always day 1 for people who keep learning.
My bookshelf (Amazon US):

[It's always day one @AlwaysDay1]

Have been compiling Amazon list of all the Books ever recommended by @naval over the last few years - this list is pretty exhaustive.
I know many would find this super useful. You're welcome :)
https://t.co/gqqRePo93g

[It's always day one @AlwaysDay1]

@GabbbarSingh Exactly right. This is going to bring together BJP voters like nothing else. For the first time since 2014, they're seeing how quick the descent into anarchy and chaos can be. Big reality check and a reminder not to be complacent about the Modi govt. We had almost forgotten.

[It's always day one @AlwaysDay1]

@DoctorLFC But look at her conclusion- we need to fix our parents and grandparents’ media diet because obviously they’re right wing and wrong and I’m right. 🤦‍♂️

[It's always day one @AlwaysDay1]

@pranjalkamra No no no bro, didn't expect this from you. No.

[It's always day one @AlwaysDay1]

What’s difficult to understand? The first one is a lite auto. Try lifting both, you’ll know the difference.

[g4uri @okjaaneman]

whats the difference bro 😭

[It's always day one @AlwaysDay1]

Forget dishwashers. If you're using aluminium in any form, STOP now.

[Sonia Singh @thesinghsonia]

Genuine question for people using dishwashers at home as I am thinking of investing in one: Kya roz ki Indian cooking ke baad kadhai, cooker aur patila properly saaf ho jaate hain? Aluminium utensils ?

[It's always day one @AlwaysDay1]

@volklub @Tushar15 Sunderdeep ji you lost a follower, and my respect. His post was valid and reasonable asking you to reason it out, without any name calling or ad hominem attack (google it up).
And you chose to respond to it with followers and engagement? That’s ahamkar.

[It's always day one @AlwaysDay1]

The most shameless article I've read in a minute. This is how the history you're taught, was written. One lie after another.
https://t.co/ugetyKcpZJ

[It's always day one @AlwaysDay1]

Would you get this done to yourself for $450,000?

[Out of Context Human Race @NoContextHumans]

That time a grandma broke her nose while hiking and didn't want the helivac, but ended up winning a $450,000 lawsuit

[It's always day one @AlwaysDay1]

In early March 2024, Zurich had three fatal tram collisions in one week.
A 56-year-old woman in District 11 was hit on a Monday evening and died in hospital the next morning.
Days later, a young cyclist on line 4 in Kreis 5 was struck by a tram, thrown to the ground, and died in hospital the following day.
Roughly 45 minutes after that, near the main station, another pedestrian fell under a line 7 tram. The tram had to be lifted to recover the body; the person died at the scene.

These weren’t the first cases. In October 2023, an 85-year-old American tourist stepped out of his hotel onto line 14, didn’t see the approaching tram, and was hit. He suffered severe head trauma and died four days later in hospital.
In May 2026, an 82-year-old woman in Schwamendingen crossed the tracks after one tram passed, overlooked the one coming the other way, and was fatally injured despite emergency braking.

Zurich’s trams run through busy mixed-traffic streets with high pedestrian and cyclist activity. In 2023 the city logged 675 tram-related accidents — the highest in six years — with a clear rise in incidents causing injury. Trams carry significant mass and have longer stopping distances than cars even under emergency braking. Fatality risk in impacts is substantially higher than with cars at the same speeds.

Existing measures — collision warnings, priority rules, emergency brakes — reduce many risks. But sudden movements, distractions, timing misjudgments, and the urban layout mean some collisions remain unavoidable once a person is in the path.

That pattern drove VBZ and Alstom to develop an external front airbag system for the Flexity fleet. Sensors detect an imminent collision that braking alone cannot fully prevent. The airbag deploys in milliseconds, inflates across the front, cushions the impact, and pushes the person away from the tracks and wheels.

The project started in 2021 and gained urgency after the rise in serious incidents. Pilot tests ran in 2024; real-world trials are now advancing, with plans to fit the system across the fleet of around 110 trams.

In the collisions that still occur, the airbag is designed to lower the chance of fatal outcomes and reduce injury severity compared with striking the rigid front structure. It adds a mitigation layer on top of prevention efforts already in place.

[Massimo @Rainmaker1973]

The world’s first tram airbags are coming to Zurich to protect pedestrians in unavoidable collisions.

[It's always day one @AlwaysDay1]

Kunal Shah is one of the biggest snake-oil salesmen this country’s startup scene has produced in the last decade.
Let’s stop the circlejerk for a second and look at what he actually built.
First he did Freecharge. A basic recharge + coupons play. Handing out discounts to freebie hunters and calling it innovation. Then sold it for hundreds of millions to Snapdeal — another company that was mostly smoke and mirrors. Today both are basically dead or irrelevant. That tells you everything about the “value” they created.
Then came CRED. The greatest data harvesting operation disguised as a rewards app. Pay your credit card bill on time and get imaginary coins. What do those coins actually get you? Almost nothing. It’s literally a meme. The real product was never the coins or the “trust” bullshit he peddled in podcasts and interviews. It was collecting every credit card statement, loan, insurance detail and financial footprint from upper-middle class Indians who thought they were being rewarded.
The UI was slick af. Had to be. Because the actual business was quietly vacuuming data while people jerked off to the premium design.
And yesterday the mask finally came off.
Meta pumped $900M into CRED and in return Kunal gets to play Global Head of WhatsApp. Don't buy the spin - This isn’t some grand acqui-hire of a product genius. Kunal is a typical Gujju dhandhomaxxer who has never built anything of real substance or value, but learned to talk like Naval Ravikant. The only thing that was ever valuable was the financial data and history of almost ALL educated upper middle-class Indians. And now that data sits with Zuckerberg.
Don’t fall for Meta's PR. The WhatsApp title is the shiny carrot. The real transaction was the data of millions of educated, high-income Indians who signed up thinking they were part of some exclusive club.
All the backslapping you’re seeing right now from founders, investors and ecosystem randos? Pure self-preservation. Kunal just placed himself in a position of real power. Everyone wants to stay on the right side of him.
The reality is simple.
Don't celebrate a snake-oil salesman who sold narrative, collected data, burned investor money, and cashed out for maybe billions. Nothing more.

[Kunal Shah @kunalb11]

It’s been a minute.

2015–2018
- Exited FreeCharge. Spent time learning and investing.
- Pondered about: Why can't trust be rewarded? Started with $1M of personal capital.
- Launched CRED to reward people for paying credit card bills on time.

2019–2025
- Built a system run by a team that values ownership, judgment, and craft.
- Grew from 0 to 17M members by aligning incentives with behaviour.
- Built several products during COVID lockdowns.
- Raised $900M+ from global investors. Did 4 ESOP buybacks.
- Made Indiranagar and IPL ads slightly more interesting.
- Received a full stack of regulatory licences.
- Lost 35 kilos.
- Scaled from 0 to ~$325M ( ~₹3,200 crore) in annual revenue across payments, lending, insurance, commerce, wealth, and credit cards.
2026
- First profitable quarter (yet occasionally asked what our business model is)
- Raised another $900M from Meta in primary and secondary capital.
- Announcing our 5th ESOP buyback.

Today

CRED is ready for its next phase. I am stepping back and @miten steps in as interim CEO, partnered with an incredibly talented team. He has been heading strategy and finance and suffering me since 2020. I’m stepping away from the operating role and will continue as a shareholder. My commitment doesn’t change. Just the role.

Extremely grateful to our members, partners, regulators, and investors who made this possible. And to our board, Shailendra, Micky, Saurabh for their extraordinary conviction.

Team CRED, I’ll still expect you to be a 10x version of yourselves.

As for me, I’ll be joining Meta to lead WhatsApp globally.

Meta comes in as a minority investor in CRED. No access to member data.

While it’s come very far, the delta between WhatsApp today and its full potential is massive. I look forward to working with Mark, Chris, and the leadership across Meta for the next step in WhatsApp’s journey. Will, thank you for scaling something the world relies on quietly, and for making this transition smooth.

Onwards.

[It's always day one @AlwaysDay1]

@kushanmitra Name and shame brother. People should be aware and be able to decide if they want to choose that carrier.

[It's always day one @AlwaysDay1]

@LukeCoutinho17 just go through https://t.co/nRdgBoJ5ZF

[It's always day one @AlwaysDay1]

@kushanmitra I can guess why. Petrol and dry cleaners do share an intimate relationship.

[It's always day one @AlwaysDay1]

@Pivot2Centre Indians need to learn the hard way, that actions have consequences.
All the gandagi will go away. Rapidly, and for good.

[It's always day one @AlwaysDay1]

@DoBaniye just go through https://t.co/ViBnZUcF4P

[It's always day one @AlwaysDay1]

@TheRocketMediaX total nonsense. read this: https://t.co/SMeWJ2kUu4

[It's always day one @AlwaysDay1]

@BaluGorade just blindly buy japanese. https://t.co/OnJEpHrOLX

[It's always day one @AlwaysDay1]

@connectgurmeet Not just leaders and politicians paaji, we all can do our part. least we can do is start buying Indian brands - this is a great list someone forwarded on Whatsapp.
https://t.co/28iBjeNTi5

[It's always day one @AlwaysDay1]

So my favourite newsletter this week featured my favourite book 'India that is Bharat' by @jsaideepak . Whatay surprise!
https://t.co/A8AwaeEWT4