Ayush Singh

scarcity made me choose things..

[Ayush Singh @Macayush77]

UN and IMF funding out with concessional loans in the name of resolving the human rights crisis and the balance of payments crisis of Pakistan, Nigeria, and Syria must be checked where funds are diverted.

[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.

[Ayush Singh @Macayush77]

Internet access should require an IQ test. If you score above a certain level, you get access; if not, you don’t.

P.S. There’s a good chance I’d fail too, but I’m okay with that 😜

[Ayush Singh @Macayush77]

Internet access should require an IQ test. If you score above a certain level, you get access; if not, you don’t.

P.S. There’s a good chance I’d fail too, but I’m okay with that 😜

[Kanishk Tiwari @_kannishk]

vibed Antislop: a tiny dopamine gym for your brain. (Only iOS)

Instead of scrolling through social slop and frying your brain, play Antislop: fast games and puzzles that give your dopamine a workout

-endless math puzzles that keep getting harder
-old-school QuizUp-style trivia across multiple categories
-took less time to build than Apple took to review it

Average tokenmaxxing on 5.5 and 4.7.
Would love any feedback, roasts, or feature ideas

[Ayush Singh @Macayush77]

Life was a costume party, and my mistake was wearing my real face

[Ayush Singh @Macayush77]

Life was a costume party, and my mistake was wearing my real face

[Ayush Singh @Macayush77]

I end up explaining things to people who are already rigid at there mindset or come with certain beliefs that are irrational but later i realize I should have just avoided then by saying hmm, bye or simply busy.

[Ayush Singh @Macayush77]

@Dhimahi11 Yesss, if connection is real.

[Ayush Singh @Macayush77]

@kunalb11 Somewhat explains the problem of overpopulation in developing countries like India, Africa. We Indian's do hell lot of sex and consider it taboo topic and also bad at it😂.

[Ayush Singh @Macayush77]

@MorningPosterr @bhash How EV innovation is happening with imported chinese batteries?

[Ayush Singh @Macayush77]

@kunalb11 Somewhat explains the problem of overpopulation in developing countries like India, Africa. We Indian's do hell lot of sex and consider it taboo topic and also bad at it😂.

[Ayush Singh @Macayush77]

@RanaMishka If you really hate white people let them appropriate our Indian culture😂you will see how quickly they go from from ‘I m so progressive’ to ‘my family astrologer didn’t approve your ancestors’ in 0.2 seconds. I have never heard something liberating after 'our culture'💀

[Ayush Singh @Macayush77]

@thatssodhawal Wish to see a peaceful demise, for resistance shall invite a harsher fate.

[Ayush Singh @Macayush77]

@ashanviii Count me also in😎.

[Ayush Singh @Macayush77]

'Habosexulaity' kind of cool term i came across today while reading mint also the concept is cool😎

[Ayush Singh @Macayush77]

Recent IBC amendments aim to discipline RP, but enforcement being executive driver could tilt the power away from courts and creditors, Ideally penalty should be imposed by judicial or quasi justifiable bodies.

What do you think???

[Ayush Singh @Macayush77]

Biggest escape mankind had created is culture to make safety net against chaos, but also a cage that keeps us from seeing the world as it truly is...

[Ayush Singh @Macayush77]

@immad A nanny-based business in India has growing opportunities, as both genders are occupied with work in tier-1 cities. Later, it can expand to tier-2 cities. Since India is a low-trust society, providing nannies from a trusted source can have significant potential reach.

[Sam Altman @sama]

we are opening our first office in india later this year! and i'm looking forward to visiting next month.

ai adoption in india has been amazing to watch--chatgpt users grew 4x in the past year--and we are excited to invest much more in india!

[The Tathya @_TheTathya]

The Plot to Remove Modi… Coincidence or Global Conspiracy? 😱

When the IAF executed Operation Sindoor…

Intelligence chatter hinted at a hidden Pakistani nuclear site.. possibly linked to secret U.S. stockpiles.

And then… something strange happened. 🧵