Sawan

Nation first 🇮🇳 here for memes, sports, tech & new interactions! 🤩

[frank @solvingfrank]

Once you’ve grasped a basic understanding of human psychology, you simply do not want to be friends with 99% of the people you meet

[Sawan @sawan0108]

@manashhree Mind is blown 🤯

[ESPN @espn]

Bro is experiencing prime Messi 😭🔥

[ESPN FC @ESPNFC]

1 vs. 5 but the 1 is Messi 🐐

[All About Argentina 🛎🇦🇷 @AlbicelesteTalk]

The journalist, Joaquin Bruno has the photo of his life 😍

[Kylian Mbappé @KMbappe]

@BarcaTimes @CanalFootClub I never said that.
Messi have all my respect and my admiration 👍🏽

[Guinness World Records @GWR]

MESSIIIIIIIIII

[Sawan @sawan0108]

@akanksha7196 We need more people who think like this to make our surrounding better 🫡

[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.

[AMARA💕 @simbyii]

Bank app: “Are you sure you want to make this transfer”

Me:

[Sawan @sawan0108]

@Snowdrop1704 😂😂😂

[Sawan @sawan0108]

@akanksha7196 less frequency should be concerning if someone reads your bio🫣

[Sawan @sawan0108]

@smitaprakash @gharkekalesh 😂

[Sawan @sawan0108]

@manashhree

[. @tosinmm_]

People are going to bed worrying about their sleep patterns, you get a World Cup every 4 years.

Sleep is overrated.

[Sawan @sawan0108]

@akanksha7196 I like most of his songs but his part in 'wat wat wat' song from Tamasha is 👌🏻👌🏻

[Sawan @sawan0108]

@akanksha7196 Absolutely