hary

designer by work and passion❤

[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.

[CMOTamilNadu @CMOTamilnadu]

மாண்புமிகு தமிழ்நாடு முதலமைச்சராக திரு. ச. ஜோசப் விஜய் அவர்கள் பொறுப்பேற்ற பின்பு மூன்று முக்கிய அறிவிப்புகளை நிறைவேற்றிடும் வகையில் அரசாணை கோப்புகளில் கையொப்பமிட்டார்.
#CMJosephVijay

[JA @JhonArokiasamy]

ஒரு பேரே வரலாறு!. 🙏

[hary @am_kanthary]

If he can lose, who else could win?🏆
#TVKVijay‌
#wetrustvijay

[hary @am_kanthary]

2004 — Tsunami
2017 — Jallikattu
2020 — Corona
May 2026….

#WeTrustVIJAY
#TVKVijay‌

[JA @JhonArokiasamy]

No psephologist, no survey, no exit poll can ever predict Tamil Nadu elections! 😎

Every single one will fail spectacularly on April 23.

TN votes its own way — always has, always will. All the more 2026 - voter’s delight and psephologist’s nightmare.

[Vignesh @vignesh_1718]

I’ve compiled all Manifesto’s using Claude.

TVK is winning this election not only in perception, but in their people focused Manifesto.

Idhu oru #WhistlePuratchi

https://t.co/LhzqFzxZtk

Please read!

Key findings from the actual manifesto:

AI: TVK proposes India’s first AI Ministry + GPU cluster + Tamil AI model. ADMK has zero AI policy. DMK mentions AI only in table of contents.

Women: TVK ₹2,500 + 6 cylinders vs ADMK ₹2,000 + 3 cylinders vs DMK’s existing ₹1,000 scheme

Youth: TVK ₹4,000/month vs ADMK’s ₹2,000 vs DMK’s unspecified amount

Fishermen: TVK ₹20,000 ban compensation vs ADMK’s ₹12,000 (up from ₹8,000)
💰 P&L Tab

5-year revenue, expenditure, and AI savings breakdown for all 3 parties

TVK’s AI ROI: ₹3,200 Cr invested → ₹44,200 Cr returned (1,281% ROI, payback in under 8 months)

Net fiscal balance: TVK is the only party in surplus​​​​​​​​​​​​​​​​

#TVKManifesto2026 #TVKVijay‌ #TVKforTN #VotforWhistle

[Wonder of Science @wonderofscience]

"The Ocean is Art" by Ryan Pernofski

[XB Film Creators @XBFilmCreators]

Friends ah ninna powerful maapi 💪❤
#Thalapathy and #MakkalSelvan wrapping up the shoot in style.
The countdown for celebration to kickstart. . . 🔜
#MasterShootWrap

[Vijay @actorvijay]

Thank you Neyveli

[Vijay @actorvijay]

#Master #MasterThirdLook

[Vijay @actorvijay]

#MasterSecondLook

[hary @am_kanthary]

#master
#Thalapathy64FLday
#Thalapathy64
🔥🔥

[Vijay @actorvijay]

#Master

[hary @am_kanthary]

#Bigil

[International Film Festival of India @IFFIGoa]

What a way to make an entrance! @rajinikanth has arrived for the opening ceremony of #IFFI50

#IFFI2019 @satija_amit @esg_goa @MIB_India @PIB_India

[hary @am_kanthary]

#KEEZHADIதமிழ்CIVILIZATION

🔥❤

[hary @am_kanthary]

#கீழடி_தமிழர்_நாகரிகம்

🔥

[Archana Kalpathi @archanakalpathi]

#BigilAudioLaunch on September 19th 🔥🔥🔥 #BigilAudioLaunchPoster @Ags_production @actorvijay #Nayanthara @Atlee_dir @arrahman @Lyricist_Vivek @Actor_Vivek @yogibabu_offl @am_kathir @muthurajthangvl @dop_gkvishnu @Screensceneoffl @SonyMusicSouth

[hary @am_kanthary]

@natrajs18 Thx bro..🤩