Jaydeep

Carpediem!✨

[Jaydeep @jdparmar104]

Turn spends into gold! 🪙 Huge shoutout to the ICICI Times Black Card for top-tier value.
Convert reward points to Tanishq gold coin vouchers at 1 Point = ₹1 (5,000 to 1,00,000 pts). Real investment value! 📈✨
Redeem on iMobile Pay or NetBanking! 💳 #ICICI #TimesBlack #Tanishq

[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.

[Max Weinbach @mweinbach]

Spatial reframe is the coolest photos feature I’ve seen

[Marques Brownlee @MKBHD]

Google Lens was so ahead of its time, sheesh

[Beebom @beebomco]

AirDrop is getting 80% faster #WWDC26

HOWWWWW

[Mukul Sharma @stufflistings]

Tim Cook starting the show for one last time.
#WWDC #iOS27

[Jaydeep @jdparmar104]

@luxe_explorer @nagdasagar When was the last time did you see hocl voucher in ishop portal?

[Jaydeep @jdparmar104]

@luxe_explorer Hpcl vouchers are not available since 1 months now on i shop portal

[Vikrant | ANNA DM @annadmofficial]

ICICI iShop devaluation: No accelerated RP on Amazon Pay, Swiggy, jewellery vouchers + 3.5% + 18% GST fee, all unannounced. Customers paid high fees for luxury cards (Times Black, Emerald Private) expecting benefits, but bank removed them quietly, causing confusion.

[Jaydeep @jdparmar104]

Extremely disappointed with @ICICIBank for removing 6X rewards on Amazon Pay vouchers for Times Black. As a holder, it’s a dealbreaker. Requesting @ICICIBank_Care to bring back the original value or I will be forced to close my account. #CustomerDissatisfaction #ICICITimesBlack

[Sagar @sagarcasm]

Umpire during Arshdeep Singh's over

[JerryRigEverything @ZacksJerryRig]

same.

[JerryRigEverything @ZacksJerryRig]

Same.

[Beebom @beebomco]

Apple is saying something👀
#AppleEvent

[Alvin @sondesix]

Safe to say we can't use this meme this year.

[Cricbuzz @cricbuzz]

India 🤝 England 💪

🫡 to both teams for an epic series, right?

#ENGvIND #MohammadSiraj #ChrisWoakes #RishabhPant

[Denislav Jeliazkov @DenisJeliazkov]

I'm an Apple fanboy.

iOS 26 is here—and I've got thoughts.

Here’s a full UI/UX breakdown of what works, what flops, & the genius part nobody is talking about...

[Cricinfo @cricinfo]

(2/18)

[Kashif Raza @simplykashif]

You are still early…. Good Night Sweet 😴