Building @devlogsapp : A social media community, free of noise, for Developers ЁЯЪА Backend/DevOps engineer ЁЯзСЁЯП╗тАНЁЯТ╗ GitHub Campus expert alumni ЁЯЪй
ItтАЩs been a minute.
2015тАУ2018
- 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.
2019тАУ2025
- 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 ( ~тВ╣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. IтАЩm stepping away from the operating role and will continue as a shareholder. My commitment doesnтАЩt 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, IтАЩll still expect you to be a 10x version of yourselves.
As for me, IтАЩll be joining Meta to lead WhatsApp globally.
Meta comes in as a minority investor in CRED. No access to member data.
While itтАЩs 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 WhatsAppтАЩs journey. Will, thank you for scaling something the world relies on quietly, and for making this transition smooth.
Onwards.
Giorgia Meloni has unintentionally exposed Narendra ModiтАЩs cowardice before the entire country.
She had the spine to stand up for herself when Trump insulted her, even at the risk of a diplomatic crisis. Modi, on the other hand, keeps bending over backwards to please Trump, calling him "Excellency" and serving shameless flattery, even after Trump called India a тАЬhellholeтАЭ and three Indian sailors were brutally killed.
Modi should learn from Meloni: self-respect is the bare minimum for anyone claiming to represent a nation.
Italy's Meloni responds to Trump:
President Trump, these constant, unprovoked attacks are senseless. As for my popularity, being your friend certainly has not helped it, nor does it depend on my relationship with you.
My popularity depends on my ability to defend ItalyтАЩs national interest, and that is exactly what I have always done. That is also what I did regarding the American military bases in Italy. Their use is governed by agreements that we have always respected, and that cannot be violated as long as I am Prime Minister.
Italy remains a sovereign nation. In any case, my popularity is none of your concern. I suggest you focus on yours.
"I AND ITALY NEVER BEG"
MELONI SLAYS TRUMP AFTER HE SAY: "Meloni? She begged me for a photo, I felt sorry for her"
Giorgia Meloni's rasping response: "Donald Trump's statements are completely made up, I'm frankly appalled. I don't know why the President of the United States behaves this way with his own allies; after all, it's not the first time it's happened. I can only say it's a shame that he doesn't show the same determination with the enemies of the West, with the enemies of the United States, with leaderships toward which he instead proves much more accommodating; however, one thing he must remember: I and Italy never beg."
There is a new scam by @IndiGo6E these days.
When you web check-in, they donтАЩt show any free seat options to select.
If you skip seat selection and choose auto-assigned seating, they say you'll receive your boarding pass by email around 4 hours before departure. In my case, it never arrived.
When I called customer care to ask why the boarding pass wasn't sent, they told me that auto-assigned seating can only be done 12 hours before departure. If it isn't assigned by then, the airport has to allocate the seat. They also said they have no way to contact the airport.
So you are forced to reach the airport at least 1 hour early for physical check-in. If you arrive close to the check-in cutoff, they may refuse to issue a boarding pass and say you missed the check-in deadline.
Technically, there are no FREE seats for web check-in.
Everybody is out here scamming common people because apparently thereтАЩs nowhere for us to go and complain. Well done!
Even as the mortal remains of Indian seafarers killed in Oman by American action arrive in India, I join the nation in mourning the loss of the three Indian seafarers.
Three days have passed since this tragic incident. Yet, there has been no public statement at all or even a condolence message from PM @narendramodi.
The nation was waiting for it, Modi ji.
You spoke about тАЬрджреЗрд╢ рдирд╣реАрдВ рдЭреБрдХрдиреЗ рджреВрдБрдЧрд╛тАЭ but no proof is now required that you have belittled IndiaтАЩs global standing and sovereignty.
Our National interests is being surrendered on a daily basis. And you have the audacity to sugarcoat it with the тАЬVishwaguruтАЭ narrative.
India used to be a тАЬVishwaguruтАЭ when it maintained its strategic autonomy and followed the policy of Non-Alignment. The world listened to us when all previous governments followed this consistent policy of not surrendering.
Indian lives cannot be treated as an afterthought in matters of foreign policy. At a time when serious questions remain unanswered, silence is not a substitute for accountability. The nation deserves clarity, and the families deserve justice.
@RahulGandhi Never thought I would support a statement made by @RahulGandhi , but on this, he is absolutely right.
The Prime Minister is 100% compromised, and India's foreign policy has clearly failed. Political opinions may differ, but facts should be acknowledged when they are evident.
The India-UK partnership is now a forward-looking highway of shared economic ambitions and high-technology!
Delighted to welcome UK Foreign Secretary @YvetteCooperMP on her first visit to India.
We reviewed ongoing progress in our cooperation focusing on trade, technology, supply chains, defence, climate, education and people to people ties. Also spoke about new opportunities in clean energy, AI and critical minerals.
Exchanged views on global developments including in Ukraine, West Asia and the Indo-Pacific.
Our Comprehensive Strategic Partnership powered by #Vision2035 continues to advance.
ЁЯЗоЁЯЗ│ ЁЯЗмЁЯЗз
Wow!
Today I exposed how Marjorie Traitor Greene @mtgreenee appears to be involved in a promotion of the app Sway while sheтАЩs abroad in Costa Rica. I found a video of Ali Partovi @apartovi, the Iranian progressive Democrat founder of the app calling for ICE to be abolished!
After I exposed her promotion of the app, MTG defended him on X and called me a тАЬracistтАЭ for asking why she was promoting an app created by an Iranian radical leftist.
In the video, the founder said he allows anti-ICE and ICE tracking operatives to use his app to тАЬfight backтАЭ. He also admits to once being deported.
Why is MTG promoting an app founded by an Iranian who wants to Abolish ICE? The app is meant to influence our elections. Why is someone who was deported trying to influence our elections with his app?
MTG has turned into a complete anti-America, Islamist loving traitor.