Aum Patil

26, Co-Founder CerebralZip Technologies. Building All source intelligence tools - UnFogg, CerebVision, Discovery. Dm for demos.

[Aum Patil @PatilAum]

Cerebralzip in association with VJTI TBI and Government of Maharashtra will be present at #IndiaAIImpactSummit2026
Meet us at Hall 4 (4FF)!!

[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.

[Uday Kotak @udaykotak]

SpaceX IPO, listing, and beyond, is a true test for capitalism. The valuation does not fit any traditional matrix and is a huge bet on the future course of planet earth. Only time will tell whether we, the human race, have arrived into the fairy tale world we grew up in as children, or are in a mega bubble. Either ways, kudos to the man who came as an immigrant, and to the country that has allowed such boundless creativity to flourish despite all the risks it embeds.

[Aum Patil @PatilAum]

@GabbbarSingh Sainik Schools - these are one in each state. Most Sainik Schools have world class infra for sports and extra-curricullar. Plus the graduate outcome is such that - at any time atleast 1 of the 3 defense chiefs is from Sainik School.

[Tom Dörr @tom_doerr]

Translates and dubs videos with voice cloning

https://t.co/Or8Ge9EWcI

[Dr Faruk Kazi @Dr_Faruk_Kazi]

It was a great opportunity and an honor to have represented the Government of #MaharashtraPavilion at the @IndiaAiExpo India AI Impact Summit 2026 in New Delhi.

#IndiaAIIImpactSummit #AIGovernance #MaharashtraPavilion #MaharashtraCyber #MahaIT

[Aum Patil @PatilAum]

@Brijeshbsingh Looking forward sir.

[Aum Patil @PatilAum]

@alyasaonchain Lets connect! We will be there at Hall 4

[Pratikkk @pratik_reds]

Leaders at India AI Summit
9 PMs, 7 Prez, 2 vice president

Prez
Brazil
Estonia
Slovakia
Sri Lanka
France
Serbia
Switzerland

VP
Guyana
Seychelles

PM
Armenia
Bhutan
Croatia
Finland
Spain
Greece
Netherlands
Kazakhstan
Mauritius

#IndiaAISummit

[Aum Patil @PatilAum]

@ThePunyaGarg @TheIshanGoswami Can you dm link?

[Aum Patil @PatilAum]

@Brijeshbsingh Absolutely true sir!!
On a lighter note, even my company has built an auto pentester for websites and firmware. It is capable of doing static dynamic and code analysis, reducing false positives plus writing workable exploits for each vuln detected. AI in offsec is 🚀

[Aum Patil @PatilAum]

@GabbbarSingh I disagree. Real reason is we spend too much on White elephant PSUs like HAL and too less on real innovation power houses like startups and MSMEs.
Refusal of Govts to allow participation of these players all these years is the real reason behind this.

[Aum Patil @PatilAum]

@IndiGo6E I haven't received it yet

[Aum Patil @PatilAum]

I have received cancellation mail for flight 6E 2033. My PNR - P2S2MY
But When I enter Plan B after entering the details, it gives me this.
Is the flight really cancelled?
Please let me know if flight is cancelled and if so why I am not able to proceed for plan B.
@IndiGo6E

[Sergio Paniego @SergioPaniego]

if you’re on holidays 🎄 and want some reading, here are blogs I contributed to this year:

🦄VLMs in TRL: https://t.co/B6XOFecFPL
🦖VLMs in 2025: https://t.co/MWIFnXWC8d
👾tokenization in transformers v5: https://t.co/OWCP8DMSsV
🛸faster transformers: https://t.co/BB9t62ttM5

[Demis Hassabis @demishassabis]

Yann is just plain incorrect here, he’s confusing general intelligence with universal intelligence.

Brains are the most exquis​ite and complex phenomena we know of in the universe (so far), and they are in fact extremely general.

Obviously one can’t circumvent the no free lunch theorem so in a practical and finite system there always has to be some degree of specialisation around the ​target distribution that is being learnt.

But the point about generality is that in theory, in the Turing Machine sense​, the architecture of ​s​uch a general system is capable of learning anything computable given enough time and memory​ (and data), and the human brain (and AI foundation models) are approximate Turing Machines.

Finally, with ​regards to ​Yann's comments about chess players, it’s amazing that humans could have invented chess ​in the first place (and all the other ​a​spects ​o​f modern civilization ​from science to 747s!) let alone get as brilliant at it as someone like Magnus. He may not be ​strictly optimal (after all he has finite memory and limited time to make a decision) but it’s incredible what he and we can do with our brains given they were evolved for hunter gathering.

[Het Mehta @hetmehtaa]

Comprehensive List of open-source Web/API Hacking tools:

https://t.co/LAlWuv0bQZ

[Melvin Vivas @donvito]

omg wow 🤯🤯🤯

AutoGLM, an AI agent by @Zai_org which can use a phone

Models are released under the MIT License, and all code is under the Apache-2.0 License, hosted on GitHub

Blog post
https://t.co/FoIFrsZnU3

[OpenBMB @OpenBMB]

🔥 Ultra-FineWeb-en-v1.4 is coming! 2.2T tokens fully open-sourced!
The core training fuel for MiniCPM4 / 4.1, fully updated based on FineWeb v1.4.0:
🆕 What's New
1️⃣ Fresher Data: Added CommonCrawl snapshots from Apr 2024 - Jun 2025 to capture the latest world knowledge.
2️⃣ Easier Access: CC Dump Slices are here! No need to download the entire massive dataset anymore, fetch exactly what you need seamlessly.
⚡ Highlights & Performance
- Efficient Verification: Efficient Verification Strategy: Reduces data verification cost by 90%
- High-Efficiency Filtering Pipeline: Optimizes selection of both positive and negative samples
- Performance Gains: +3.613/+1.331 (Eng) & +1.98/+0.61 (Chn) vs. FineWeb/FineWeb-edu & Chinese FineWeb-edu-v2.
Still high-quality cleaning. Still true to the open-source spirit. Welcome to download and test! 🚀
🔗 Resources
🤗 Dataset: https://t.co/KluL5t2kUn
📄 Paper: https://t.co/Kg9LLUqZgB
🧩 Classifier:https://t.co/oUfxrN6AmP
🤖 MiniCPM4:https://t.co/IQ82jD1PTi

#UltraFineWeb #MiniCPM4 #AI #LLM #OpenBMB #UltraData

[Aum Patil @PatilAum]

@IndiGo6E still haven't received my refund

[Yann LeCun @ylecun]

@rao2z Ok:
- chain rule existed.
- Lagrangian mechanics existed.
- the adjoint state methods in optimal control existed.
But no one had shown chain rule could be used to train multilayer nets.
And *clearly* *no one* had actually made it work until about 1985.