Rajesh Chawda 🇮🇳

Miles to go before I sleep. building @linnseed__

[rachel @rachcorrine]

The quickest way to “get your spark back” is to literally light yourself on fire. You’ve got to burn baby. You’re depressed bc you’re not being insane enough. Double. Down. The world does not reward half ass. All in or out. You’re thinking too small. You’ve accepted your current reality as the only reality. Bullshit. You need to write a list of the most insane asks you could ever dream of. “I am a NYT best selling author. I am the founder of a Fortune 500 company. I paint for a living and I make a damn good living.” Ask and you shall receive. Embody and you become. Flip the fucking script. Your current ceiling is now the floor. Level up.

You need to burn.

[Electra @Electrarythm]

https://t.co/NFS4HQhz1k

[Yewande O @yewiedewie]

Random

[Dr Ritesh Malik @drriteshmalik]

Difficulties vanish when faced boldly.

I spent years avoiding the hard things, the scary decision, the difficult conversation. Telling myself I was waiting for the right time.

It never came. It never does.
Difficulty isn't a wall. It's a shadow. It only looks terrifying until you walk straight into it.

The conversation you dread for weeks takes ten minutes. The decision that kept you up at night becomes obvious the moment you commit.

Boldness isn't the absence of fear. It's stepping forward anyway.
Walk into the shadow.

[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.

[Danish Sait @DanishSait]

Human beings have turned into Dashboards 😀

[iMac_too @iMac_too]

Timeless classic clip

#Cockroach

[Esnupi @sastaanakin]

Jo lahreon se aage nazar dekh paati..

[raf @mellonclliee]

I used to resonate with this idea—to be loved is to be known—but, as time passes I realize how costly that can be. to be known means allowing someone to see the smallest, most fragile parts of you.

[Yusuf Dauran @usouph]

People would most likely not be there for you as you would for them, learn to be there for yourself.

[Lukas Not Podolski @OtitoNosike]

The world does not reward potential. It rewards proof. Nobody cares how intelligent, talented, or visionary you believe yourself to be if your life produces no visible evidence of it.

[maro @ProofofMaro]

A woman expresses love through service.

[Maheshwer Peri @maheshperi]

This tweet by a father to his son is full of love and beautiful. It has so many emotions hidden in it - bursting with pride, hiding his fears and insecurities, joy and frustration, encouraging, advising, full of love, anxiety. It is oozing love in each word written, every word spoken..Praying that Arjun Tendulkar succeeds in everything he does..

[Gautam Chikermane 🇮🇳 @gchikermane]

Knew @NalinSKohli as a soft‑spoken senior advocate and BJP spokesperson.
But last night he unleashed his “wild” side with the talented Sourdough the Band. The 18–80 year olds at @TPMcafes went absolutely ballistic.
Nalin: next gig I’m jamming with you!

[Anish Moonka @anishmoonka]

843 women in Beed, India had their uterus surgically removed in 2024, right before they went to cut sugarcane. 477 of them were aged 30 to 35. The Maharashtra government's own health survey, published in June 2025, said so.

The surgeries are about money. In Beed, a man and his wife sign up as a working pair, locally called a koyta (the sickle they use). A middleman called a mukadam gives them an upfront payment of Rs 50,000 to 60,000 (about $520 to $625) for a six-month sugarcane season. To work that off, the couple has to cut and load two tonnes of cane every single day, for 12 to 14 hours, with no day off all week. The mukadam keeps 15 to 25 percent of the hiring amount plus another 30 percent of what the couple earns. The fine for missing a day is Rs 250 to 500. A woman who takes one day off when her period is bad can lose almost a week of take-home pay.

The mill that buys the cane is legally separate from all of it. The mill just sells the sugar. Maharashtra has 210 sugar mills and is finishing the 2025-26 season near 10 million tonnes of sugar produced. The buyers include Coca-Cola, PepsiCo, Mondelez (which owns Cadbury), and Unilever. A 2024 New York Times and Fuller Project investigation traced the chain through two big sugar companies, Dalmia Bharat Sugar and NSL Sugars. Both fed into mills carrying the industry's main ethical stamp, called Bonsucro. Its audits caught none of it. The Times found everything those audits missed, in months.

Back in 2019, a government investigation surveyed 82,309 women cane cutters in Beed. 13,861 of them, 17 percent, had had their uterus removed. A 2024 study by the IIED, an international research group, looked harder at 423 households in Beed. In households where the women had migrated for cane work, 55.73 percent had had a hysterectomy. Where the women had stayed home, the figure was 17.06 percent. Across all of India, the national rate for women aged 15 to 49 is 3.2 percent.

After the 2024 reporting: Mondelez quietly cut ties with Dalmia. Coca-Cola launched a worker-training program in 4 mills. PepsiCo blocked a shareholder vote in February 2025, using a US rule that lets companies skip votes on parts of their business worth less than 5 percent of revenue. The US Department of Labor added Beed sugar to its list of products made using forced labour. Maharashtra set up another committee on February 25, 2026, seven years after its first one.

In those seven years, the sugar kept coming. The system that produces the hysterectomies is the same system that produces the sugar in the soda cans on the shelf. Both are still working exactly as they were built.

[Aakash Gupta @aakashgupta]

The last time an El Niño this strong hit, it killed 50 million people. That was 3 to 4% of the entire world population. Scale that to today and you're looking at 250 million equivalent.

The 1877 Super El Niño triggered simultaneous droughts across India, China, Brazil, and East Africa. Crops failed on four continents at the same time. The famine lasted three years. Researchers have called it "arguably the worst environmental disaster to ever befall humanity."

NOAA's latest update gives a two-in-three chance this one reaches strong or very strong by fall. European models are even more aggressive. Sea surface temperatures need to exceed 2°C above normal to qualify as "super." The trajectory is pointing directly at that threshold.

Here's what makes 2026 structurally different from every previous Super El Niño: there are two independent supply shocks converging on the same crop cycle.

The Iran war has shut down roughly a third of the world's seaborne fertilizer trade through the Strait of Hormuz. US fertilizer supply was at 75% of normal in mid-March, right when the Corn Belt needed it most. Fertilizer prices hit their highest level since 2022. That input shortage is already baked into the 2026 growing season.

The El Niño yield shock operates on a 6 to 12 month lag. India is forecasting below-normal monsoons for the first time in three years. Indonesia and Malaysia carry 90% of global palm oil, and El Niño production declines in those countries take 6 to 24 months to peak. Every strong El Niño in the past 55 years has reduced global cocoa production.

So the fertilizer shortage weakens the crops El Niño is about to stress, and the El Niño yield collapse hits in 2027 on fields that were already under-fertilized in 2026. Two shocks with nearly identical lag structures, converging on the same harvest window.

The difference between 1877 and 2026: we can see this one coming six months out. The commodity futures curve is barely pricing either shock. Whether that's rational discounting or willful denial depends entirely on what the Pacific Ocean does between now and October.

[Smita Barooah @smitabarooah]

The quiet grief of adult friendship: One of the most beautiful articles I've read in a while. Hits hard
https://t.co/qXi6UBaTs3

[RB @Footloose_Free]

And perhaps the hardest part is not that people are incapable of love.

It’s that you keep hoping love will arrive in the language you naturally speak.

[RB @Footloose_Free]

It’s the accumulated weight of constantly being the one who notices, understands, remembers, holds space, anticipates, cares deeply and shows up fully... while slowly realizing that very few people instinctively do the same for you.

[RB @Footloose_Free]

There comes a point where exhaustion is no longer about one incident, one person, or one disappointment.