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.
Swift/C++ interop (Swift 5.9) removes the middle hop. Swift imports C++ headers directly.
So a JSI call stops being a three-language relay race and becomes one Swift expression that lowers to a direct C++ call. Per-call cost is what you'd get writing it in C++ to begin with.
The old path crossed three languages on every call: Swift → Objective-C++ → JSI in C++.
Every value got reshaped twice in each direction:
◆ 𝚜𝚝𝚍::𝚜𝚝𝚛𝚒𝚗𝚐 ↔ 𝙽𝚂𝚂𝚝𝚛𝚒𝚗𝚐 ↔ 𝚂𝚠𝚒𝚏𝚝 𝚂𝚝𝚛𝚒𝚗𝚐
◆ 𝚜𝚝𝚍::𝚟𝚎𝚌𝚝𝚘𝚛 ↔ 𝙽𝚂𝙰𝚛𝚛𝚊𝚢 ↔ 𝚂𝚠𝚒𝚏𝚝 𝙰𝚛𝚛𝚊𝚢
Each hop allocated and copied. That set a ceiling on how fast and clean the API could get.
Swift now talks to JSI directly. The Objective-C++ middle layer is gone.
In Expo SDK 56 we rewrote the native module infrastructure on Apple platforms. Calls are faster and the stack is simpler. The seam that used to make debugging miserable is gone too.
Here's how 🧵
SATURN IN ALL 27 NAKSHTRA - 1/N 🧵
The soul does not choose a random NAKSHATRA FOR SATURN.
Each one holds a different kind of UNFINISHED KARMA...
WHAT STILL REMAINS UNRESOLVED ?
BREAKING: AI can now analyze any stock like a Wall Street analyst (for free).
Here are 10 insane Claude prompts that replace $2,000/month Bloomberg terminals:(Save for later)
This video is all over social media in Himachal showing a ghost sighting in Mandi area. One thing is sure, there are many places where people have seen or felt such strange presences. Most probably it may not be an authentic one but have you ever felt any paranormal activity?
What 19 year old Vedamurti Devavrat Mahesh Rekhe has done will be remembered by the coming generations!
Every person passionate about Indian culture is proud of him for completing the Dandakrama Parayanam, consisting of 2000 mantras of the Shukla Yajurveda’s Madhyandini branch, in 50 days without any interruption. This includes several Vedic verses and sacred words recited flawlessly. He embodies the finest of our Guru Parampara.
As the MP from Kashi, I am elated that this extraordinary feat took place in this sacred city. My Pranams to his family, the several saints, seers, scholars and organisations from all over India that have supported him.