arthur leywin

dose makes the poison

[arthur leywin @kingleywin]

Going to banglore but for some wrong reasons 🥲

[arthur leywin @kingleywin]

@fu_edison_ @thekaipullai lending :)

[arthur leywin @kingleywin]

nen kuda founder ipotha 😪

[arthur leywin @kingleywin]

billion dollars + ceo role 🫡

[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.

[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.

[arthur leywin @kingleywin]

@probablyshutup cool, thanks

[arthur leywin @kingleywin]

ae cafes ki velli work cheyocho chepandi b’lore folks

[arthur leywin @kingleywin]

edo abroad ochina feels

[arthur leywin @kingleywin]

@probablyshutup anything near hsr?

[arthur leywin @kingleywin]

😓

[𝖓𝖎𝖓𝖊 🕯 @atlanticesque]

You ever get a glimpse into a divorce kid’s psyche and feel
Horror

[arthur leywin @kingleywin]

I need to watch movies

[arthur leywin @kingleywin]

@24by7_Chiraku 🥲

[arthur leywin @kingleywin]

wow reels triggering the trauma

[arthur leywin @kingleywin]

already humbled inka 27 kuda rale

[scar @imfat]

27 to 33 will humble you fast

[arthur leywin @kingleywin]

quotes choosthe ardam aytundi andar nduk vellipothunaro

[IANS @ians_india]

Bengaluru, Karnataka: Students are seen crying after arriving late at the NEET examination centre

[arthur leywin @kingleywin]

sudden ga anni banglore tweets ostunay, em erripuk algorithm ra @X

[arthur leywin @kingleywin]

drop the problems in the whiskey and drink it.

[arthur leywin @kingleywin]

Going to banglore but for some wrong reasons 🥲