Demetrius

Exploring FinTech, TravelTech. Ex Product @coindcx | Builds - + + +

[Demetrius @apiousman]

“I view things as they are, without regard to place or person. My country is the world, and my religion is to do good.” – Thomas Paine

[Demetrius @apiousman]

@BesuraTaansane You should go deeper into understanding construction technologies. I'm sure you'll come around on your original tweet.

[sid @immasiddx]

Someone made a song called “Claude’s Plan” inspired by Drake’s God’s Plan.

The AI industry has PEAKED here. 😭

[Demetrius @apiousman]

@Motionsbyeddy Did you go about manually finding these video? Or is there a website curating/showcasing these? Cant seem to find one.

[Demetrius @apiousman]

@mar_kodi I think the soon to be launched Whatsapp Coins will make it worth your ₹ 😉

[Demetrius @apiousman]

Whatsapp coins incoming!

[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.

[Demetrius @apiousman]

@lmrankhan This is also a great framework! Thanks for sharing.

[Midjourney @midjourney]

A technical dive inside our new "Midjourney Scanner"

[Demetrius @apiousman]

An AI agent registered with a regulator as an investment advisor. What a time to be alive.

[Brian Armstrong @brian_armstrong]

We registered the AI agent itself with the SEC as an investment advisor.

It has your complete context on your portfolio and account history. Speak to it in plain English to take action on your account. It will even prompt you with ideas you hadn’t thought of.

[Demetrius @apiousman]

@0xAishwary @CoinDCX Which user comment points to the absence of INR rails for deposit or withdrawals? Again, try it yourself. Negative comments are dime a dozen. Here - you can even use my referral link - https://t.co/7EXecDqMgb 🤝

[Demetrius @apiousman]

Not true. All India-origin crypto exchanges have had ₹ gateways for years. What they get denied is access to large gateways like Razorpay PayU CcAvenue etc. Inspite of this, players like @CoinDCX do a fantastic job at seamless deposits and withdrawals. Aazma ke dekh lo.

[Aishwary @0xAishwary]

This is amazing. What Indian exchanges couldn’t do in past 6-7 years of their existence a foreign company came in and enabled it.

Kudos to Coinbase.

[Demetrius @apiousman]

@MohapatraHemant 💯! More close contenders - product is everything, great products sell themselves, quality is the best business plan, product is the marketing..

Sure these were relevant to their context and times, but not when the context is AI.

[Demetrius @apiousman]

@just_nikhil01 @theo As a diehard office fan i may be a little bit biased, but yea this is the best AI video ive seen in a long time 👏 Any chance you’ll give us a visual sneak peak into how you actually produced this?

[Demetrius @apiousman]

@Rahul_J_Mathur Love the sports analogy! Congratulations on the 2ys. Hope to read a superstar post 2y from here. One way ot another.

[Demetrius @apiousman]

Knowing exactly what you want (and articulating it) is an underrated skill.

[Mukund Jha @mukundjha]

Hot take: the people who will thrive with agents aren't the most technical. They're the most self-aware.

You have to know exactly what you want. You have to be able to describe failure precisely. You have to separate "the output was wrong" from "my instructions were wrong."

Agents don't always make you more capable, but they do make you more honest about your own thinking.

[Demetrius @apiousman]

Imagine this mindset scaled at a global level. Billions of apprentices and millions of masters - both watching each other learn, both getting better on the world's shop floor.

[tobi lutke @tobi]

https://t.co/5MJ7u1VHwf

[Demetrius @apiousman]

G.O.A.T

[BBC London @BBCLondonNews]

Happy 100th birthday, Sir David Attenborough 🎉❤️

The broadcaster who changed how we see the natural world.

#DavidAttenborough

[Karri Saarinen @karrisaarinen]

I keep thinking I miss having someone like Steve Jobs in the industry.

He had some standards. He cared about quality, coherence, and making great products. He could be ruthless and he had plenty of flaws, but it still felt like he and Apple were trying to make something genuinely great above all else. They had their opinions and you could respect that. They didn't try to force you, but make their case why they think it's good.

Now tech feels driven by trend chasing, fear, scale, revenue comparisons, endless games and everyone talks their book. Investors come first, business goals next, and users last if not at all.

I wish there would still someone like Steve still around

[Demetrius @apiousman]

Friendly reminder to also apply your own mind 🧠