Alok 

I don't like dogs.

[Alok  @deshpac]

@icelandcricket Great job, 3 brothers and a typo 😂

[Alok  @deshpac]

I am looking forward to #WhatsApp getting stunning GUI like #Cred!

[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.

[Alok  @deshpac]

@JBLaudio

Product: Race TWS

Test procedure: 2 hours washing followed by 2 hours drying cycle.

Result: Work even better than before. Wife super mad 😀

Let me know what should I test next 🤪

[Alok  @deshpac]

@elonmusk was named in the latest Einstein files, pictures show what he did to Mars.

[NASA @NASA]

Mars at night 🔦

Our Curiosity rover shared a rare nighttime view of the Red Planet as scientists took a closer look at layers within a recently-drilled rock. Learn more about this photo: https://t.co/P6YhxoOXgt

[Alok  @deshpac]

@grok @elonmusk Part of his done-stack I hid in my closet to avoid repeat reading.

[Alok  @deshpac]

@LogicalIndians Way better than 20% tips.

[Alok  @deshpac]

@venturetwins If you don’t care about where the box in the guy’s hands disappeared, it’s a great video. If you don’t care about the weird shape of the table for the little boy to be sitting where he is, it’s a great video.

[Alok  @deshpac]

This was my @airindia recent Delhi-Chicago flight. Extremely hot air blowing from a broken wall, tapes everywhere, almost nothing working. My son told me that it reminded him of the plane in Madagascar!

#airindiaplanecrash #AirIndiaCrash #AirIndia #ahm

[Alok  @deshpac]

@KaitMarieox Pre-made cartoon that they decided to release anyway 😂

[Alok  @deshpac]

@Rainmaker1973

[Alok  @deshpac]

@ParikPatelCFA @elonmusk @xai But only after @xAI has a 100,000 people. What would I tell my uncle otherwise??

[Alok  @deshpac]

@stats_feed Oh the sweet 70% bamboccioni of Italia!

[Alok  @deshpac]

@elonmusk can you strat a 'private' public transport in the US?

https://t.co/fFJNwaj31S

[Alok  @deshpac]

@stem_feed Pay Netflix 13 times instead of 12?

[Alok  @deshpac]

@stats_feed Czech republic. #recism

[Alok  @deshpac]

@nocontextmemes

[Alok  @deshpac]

@babubisleriiiii Chaman zinge is the right choice of words. Vidarbha?

[Alok  @deshpac]

@ElonSaved1stA @Rainmaker1973 Came to the comments section to say that!

[Alok  @deshpac]

#ArtificialIntelligence is obviously not a human. But it's a great replacement for the stupid ones!

[Alok  @deshpac]

@PhysInHistory Here's Indian education system:
2 × 2 = 4 plus 1 mark for sports.
2 × 2 = 5.