Shreyas Gupta

sometimes tech sometimes comedy / engineering @eudiahq

[Shreyas Gupta @sggts04]

monday tum kyu aate ho

[Shreyas Gupta @sggts04]

@tarunsmehta AoE/AoM is such a pleasure to play. have you tried Factorio btw?

[Shreyas Gupta @sggts04]

@Naina_2728 i get back at them by not cancelling and just booking on another app - one guy spent half an hour driving around before finally admitting defeat and cancelling himself, fun times

[Shreyas Gupta @sggts04]

HYPEEE

[Unleash the Avatar @utathegame]

After 6 months of hard work, we're ready to show what's next.

Get a glimpse of the latest gameplay trailer and story bits featuring Johnny Yong Bosch (who voices Ichigo from Bleach) as the voice actor of Vikram.

[Shreyas Gupta @sggts04]

i think the no access to “member data” instead of “user data” line is very telling. its just a legal cover with an obscure meaning of member

[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.

[Shreyas Gupta @sggts04]

@ericzakariasson @drawitpoorly @leerob @drawitpoorly draw me

[Shreyas Gupta @sggts04]

@ericzakariasson @drawitpoorly . @drawitpoorly me please

[Shreyas Gupta @sggts04]

@ravihanda @shantanugoel These mules are spread across banks, traceability stops at a bank level. PNB unfortunately cannot query HDFC records. Tracking this data with thousands/lakhs of mules spread across different banks is the challenge.

[Shreyas Gupta @sggts04]

how do i accept a bet from claude

[Shreyas Gupta @sggts04]

@shrelock13 i find it rather relaxing to sit down and peel a pomegranate - i think i honestly enjoy that part more than the eating part

[Shreyas Gupta @sggts04]

@ActusDei quiz performance is not a reflection of portfolio performance 🫣

[Shreyas Gupta @sggts04]

reality check (important)

[Shreyas Gupta @sggts04]

@tech_savvy_guy_ @rauchg @vercel Is your Vercel account linked to your Github account? Go to Vercel account settings and link it - I had the same issue and this is the fix that worked

[Shreyas Gupta @sggts04]

@tr1ckastley @kaashvisaxena @justswishin short blog post on my experience after moving to BLR, tried to keep it humorous

[Shreyas Gupta @sggts04]

I was at the airport and I saw "Peri-Peri Banana Chips" being sold. I had a 3hr flight ahead with youtube videos downloaded. I was sold.

First bite, and I threw them away. I've had Peri-Peri Banana Chips before, but these were neither Peri-Peri nor Banana Chips. They were sweet for some reason. They were so bad that it made me think, how are these even being sold? Do people like this? Did someone at a company actually approve this taste? Was I the outlier?

No matter who the outlier was, it worked. The company's goal was to sell the chips, not what happens to them after that. They caught me at my weakest moment, when I was ready to have a snack. Unfortunately, I am always ready to have a snack.

I went to a Punjabi restaurant in Bangalore. What an oxymoron. There are no Punjabi restaurants in Bangalore, there are only disappointments. So I got an appointment for disappointment yesterday, and what a shocker, I was disappointed. Don't you hate the feeling when you eat junk food and its not even good? My stomach was full of soya chaap and my face was full of tears. Not sure how this restaurant was rated 4.2 on Google Maps. Was I the outlier again?

Bangalore has the vibe that makes you want to run a startup. People have built very successful startups by selling food whose names remind you of your home, but whose taste remind you of your home's dustbin.

It is my fault, of course, for trying to look for familiarity at an unfamiliar place.

I've been in Bangalore for almost 6 months now, and during this time I've flown back to Delhi 5 times, sometimes voluntarily, sometimes involuntarily. Everytime I come back to Bangalore, I go on a run to eat at my favourite Bangalore places again. Not on a literal run. I only ran in Gurgaon's 500 AQI and lost the interest when I came to see Bangalore's clear air. I am not even kidding about this. I was a runner in Gurgaon and completely stopped in Bangalore, maybe I am the stupid outlier.

These favourite Bangalore places are starting to become my new comfort food, with Meghana Foods and Nagarjuna being the top 2 picks. Biryani at Meghana is an easy choice, but with Nagarjuna, who would've thought I would go to a restaurant to eat dal chawal and absolutely love it. That is literally all I eat there, I order the entire Bhojanam meal and only eat 2 out of the 10 items served on the banana leaf. I love dal chawal. It is familiarity at an unfamiliar place.

Bangalore's traffic is tremendously bad with no signs of recovery, just like this blog which can't seem to find a good ending. The bad traffic has trained the Rapido drivers to be stupidly rash drivers. They are rash out of necessity, not out of a lack of will to live. I even got into an accident thanks to such drivers.

Unfortunately, or fortunately, I've learned to live with all of this. Not because of the good weather, how can it be good weather when it can rain whenever it wants and you'll either not get an auto in that rain or be stuck in traffic in that rain. I've still not understood how this is good weather. Am I the outlier again?

But the city has grown on me, I am a techie after all, when your Rapido driver discusses tech stacks with you, you feel familiarity. Late night filter coffee hauls have become a natural thing. Overhearing startup pitches on the next Third Wave Coffee table makes me want to attempt one too.

First I was confused. Then I was disappointed. But somewhere along the way, a meal on a banana leaf started to feel like comfort food.

Maybe thats how a city grows on you. Not all at once, but slowly, until one day you realise you’ve started calling the place home, the day you realize you're not an outlier anymore.

[Shreyas Gupta @sggts04]

I was at the airport and I saw "Peri-Peri Banana Chips" being sold. I had a 3hr flight ahead with youtube videos downloaded. I was sold.

First bite, and I threw them away. I've had Peri-Peri Banana Chips before, but these were neither Peri-Peri nor Banana Chips. They were sweet for some reason. They were so bad that it made me think, how are these even being sold? Do people like this? Did someone at a company actually approve this taste? Was I the outlier?

No matter who the outlier was, it worked. The company's goal was to sell the chips, not what happens to them after that. They caught me at my weakest moment, when I was ready to have a snack. Unfortunately, I am always ready to have a snack.

I went to a Punjabi restaurant in Bangalore. What an oxymoron. There are no Punjabi restaurants in Bangalore, there are only disappointments. So I got an appointment for disappointment yesterday, and what a shocker, I was disappointed. Don't you hate the feeling when you eat junk food and its not even good? My stomach was full of soya chaap and my face was full of tears. Not sure how this restaurant was rated 4.2 on Google Maps. Was I the outlier again?

Bangalore has the vibe that makes you want to run a startup. People have built very successful startups by selling food whose names remind you of your home, but whose taste remind you of your home's dustbin.

It is my fault, of course, for trying to look for familiarity at an unfamiliar place.

I've been in Bangalore for almost 6 months now, and during this time I've flown back to Delhi 5 times, sometimes voluntarily, sometimes involuntarily. Everytime I come back to Bangalore, I go on a run to eat at my favourite Bangalore places again. Not on a literal run. I only ran in Gurgaon's 500 AQI and lost the interest when I came to see Bangalore's clear air. I am not even kidding about this. I was a runner in Gurgaon and completely stopped in Bangalore, maybe I am the stupid outlier.

These favourite Bangalore places are starting to become my new comfort food, with Meghana Foods and Nagarjuna being the top 2 picks. Biryani at Meghana is an easy choice, but with Nagarjuna, who would've thought I would go to a restaurant to eat dal chawal and absolutely love it. That is literally all I eat there, I order the entire Bhojanam meal and only eat 2 out of the 10 items served on the banana leaf. I love dal chawal. It is familiarity at an unfamiliar place.

Bangalore's traffic is tremendously bad with no signs of recovery, just like this blog which can't seem to find a good ending. The bad traffic has trained the Rapido drivers to be stupidly rash drivers. They are rash out of necessity, not out of a lack of will to live. I even got into an accident thanks to such drivers.

Unfortunately, or fortunately, I've learned to live with all of this. Not because of the good weather, how can it be good weather when it can rain whenever it wants and you'll either not get an auto in that rain or be stuck in traffic in that rain. I've still not understood how this is good weather. Am I the outlier again?

But the city has grown on me, I am a techie after all, when your Rapido driver discusses tech stacks with you, you feel familiarity. Late night filter coffee hauls have become a natural thing. Overhearing startup pitches on the next Third Wave Coffee table makes me want to attempt one too.

First I was confused. Then I was disappointed. But somewhere along the way, a meal on a banana leaf started to feel like comfort food.

Maybe thats how a city grows on you. Not all at once, but slowly, until one day you realise you’ve started calling the place home, the day you realize you're not an outlier anymore.

[Shreyas Gupta @sggts04]

New blog post, not technical, but about me learning to live in Bangalore 😄

https://t.co/sHA3Jcs9Zs

[Shreyas Gupta @sggts04]

@idlyupma isn’t podi dry

[Shreyas Gupta @sggts04]

I was at the airport and I saw "Peri-Peri Banana Chips" being sold. I had a 3hr flight ahead with youtube videos downloaded. I was sold.

First bite, and I threw them away. I've had Peri-Peri Banana Chips before, but these were neither Peri-Peri nor Banana Chips. They were sweet for some reason. They were so bad that it made me think, how are these even being sold? Do people like this? Did someone at a company actually approve this taste? Was I the outlier?

No matter who the outlier was, it worked. The company's goal was to sell the chips, not what happens to them after that. They caught me at my weakest moment, when I was ready to have a snack. Unfortunately, I am always ready to have a snack.

I went to a Punjabi restaurant in Bangalore. What an oxymoron. There are no Punjabi restaurants in Bangalore, there are only disappointments. So I got an appointment for disappointment yesterday, and what a shocker, I was disappointed. Don't you hate the feeling when you eat junk food and its not even good? My stomach was full of soya chaap and my face was full of tears. Not sure how this restaurant was rated 4.2 on Google Maps. Was I the outlier again?

Bangalore has the vibe that makes you want to run a startup. People have built very successful startups by selling food whose names remind you of your home, but whose taste remind you of your home's dustbin.

It is my fault, of course, for trying to look for familiarity at an unfamiliar place.

I've been in Bangalore for almost 6 months now, and during this time I've flown back to Delhi 5 times, sometimes voluntarily, sometimes involuntarily. Everytime I come back to Bangalore, I go on a run to eat at my favourite Bangalore places again. Not on a literal run. I only ran in Gurgaon's 500 AQI and lost the interest when I came to see Bangalore's clear air. I am not even kidding about this. I was a runner in Gurgaon and completely stopped in Bangalore, maybe I am the stupid outlier.

These favourite Bangalore places are starting to become my new comfort food, with Meghana Foods and Nagarjuna being the top 2 picks. Biryani at Meghana is an easy choice, but with Nagarjuna, who would've thought I would go to a restaurant to eat dal chawal and absolutely love it. That is literally all I eat there, I order the entire Bhojanam meal and only eat 2 out of the 10 items served on the banana leaf. I love dal chawal. It is familiarity at an unfamiliar place.

Bangalore's traffic is tremendously bad with no signs of recovery, just like this blog which can't seem to find a good ending. The bad traffic has trained the Rapido drivers to be stupidly rash drivers. They are rash out of necessity, not out of a lack of will to live. I even got into an accident thanks to such drivers.

Unfortunately, or fortunately, I've learned to live with all of this. Not because of the good weather, how can it be good weather when it can rain whenever it wants and you'll either not get an auto in that rain or be stuck in traffic in that rain. I've still not understood how this is good weather. Am I the outlier again?

But the city has grown on me, I am a techie after all, when your Rapido driver discusses tech stacks with you, you feel familiarity. Late night filter coffee hauls have become a natural thing. Overhearing startup pitches on the next Third Wave Coffee table makes me want to attempt one too.

First I was confused. Then I was disappointed. But somewhere along the way, a meal on a banana leaf started to feel like comfort food.

Maybe thats how a city grows on you. Not all at once, but slowly, until one day you realise you’ve started calling the place home, the day you realize you're not an outlier anymore.

[Shreyas Gupta @sggts04]

@yatharthsood00 no option other than south bangalore

[Shreyas Gupta @sggts04]

People have built very successful businesses by selling food whose names remind you of your home, but whose taste remind you of your home's dustbin.