Geetika Gahlot

Building @leadersbuilders — helping tech founders compound social capital into opportunities | Scaling Web3 & AI ecosystems since 2017

[Geetika Gahlot @SheTalksWeb3]

Digital taxes = new a trade war.

Trump is threatening a 100% tariff on countries imposing Digital Services Taxes (DSTs) on US tech, putting trade deals on the line.

Likely affected countries:
➡️ EU Bloc (specifically France, Italy, Spain, Austria)
➡️ United Kingdom
➡️ Turkey

[Ash Crypto @AshCrypto]

BREAKING: 🇺🇸 President Trump calls for a 100% tariff on any country that will charge "Digital Services Tax" on American companies.

[Geetika Gahlot @SheTalksWeb3]

Microsoft just raised Xbox prices.
Apple just raised MacBook and iPad prices.

The reason? Rising memory chip costs.!

For years, AI made software cheaper. Now AI is making hardware more expensive.

The AI tax has arrived.

[Leaders And Builders @leadersbuilders]

1/ The AI race is becoming a stack race.

@OpenAI built its own chip, called Jalapeño, in collaboration with Broadcom, reportedly reducing inference costs by up to 50%.

Most people will see this as a hardware story.

They're missing the bigger picture.

[Geetika Gahlot @SheTalksWeb3]

Claude + Slack
AI assistants -> AI teammates

[Claude @claudeai]

Introducing Claude Tag, a new way for teams to work with Claude.

In Slack, Claude joins as a team member with access to the channels and tools you choose. Tag Claude in and delegate tasks to it while you focus on other work.

[Geetika Gahlot @SheTalksWeb3]

*FreeCharge

[Geetika Gahlot @SheTalksWeb3]

I remember meeting him during his Frecharge days.

From there to leading WhatsApp globally at Meta—a powerful reminder that great careers are built through years of compounding effort, not overnight success.

Congratulations on the incredible milestone.

[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.

[Leaders And Builders @leadersbuilders]

Want to build a tech startup but still searching for the right idea?

Here are 100 ideas that top accelerators & investment firms are desperate to fund right now — and can't find enough founders building them.

Pulled straight from the published wish lists of @ycombinator @a16z @sequoia @khoslaventures @firstround @luxcapital None of these are guesses. These are problems investors have publicly said they will write checks for — today.

🧵 100 tech startup ideas ↓

[Geetika Gahlot @SheTalksWeb3]

Bring back blunt, emotionless AI. I don't need AI trying to validate my feelings, I just need you to
Stop telling me my thought process is "brilliant" and just tell me my tell me my startup idea is terrible.

Bring back the hostility !!

[Geetika Gahlot @SheTalksWeb3]

Traffic police: “Where is your helmet?”
Guy: “Coming in 8 minutes.”

Orders helmet on Blinkit while waiting for challan.

Honestly, if quick commerce can’t solve this problem, what’s the point!

[Bhavyam Arora @AroraBhavyam]

100+ ambassador programs added in the sheet!

Here are the best 12 out of them:
(Bookmark and follow @AroraBhavyam if you find value)

1. @SentientAGI
Apply: https://t.co/TbS1tkytME

2. @midnightntwrk
Apply: https://t.co/riY1R5k3jM

3. @hedera
Apply: https://t.co/cO0VTdk3ma

4. @arbitrum
Apply:
https://t.co/UqMgDbhUww

5. @injective
Apply: https://t.co/oOcDcv4Pb5

6. @degenphone
Apply:
https://t.co/IzMXeesxUW

7. @P2Pdotme
Apply:
https://t.co/n9pFts4OUI

8. @SonicSVM
Apply:
https://t.co/K5K1llRkh2

9. @Rho_Labs
Apply:
https://t.co/UQ8ISYz06W

10 .@hedra_labs
Apply:
https://t.co/n7r662lrM5

12. @rootstock_io
Apply: https://t.co/EBYAu087hM

[Geetika Gahlot @SheTalksWeb3]

@VanHoVibes @0xabhii @AroraBhavyam

[Geetika Gahlot @SheTalksWeb3]

@ArpitKhandelwa3 True that

[Geetika Gahlot @SheTalksWeb3]

Tried the viral ChatGPT prompt:
“Create a caricature of me and my job based on everything you know about me.”

This is either impressive… or mildly terrifying 😅

[Geetika Gahlot @SheTalksWeb3]

@AroraBhavyam @AKSHITAAHLUWAL1 Congratulations @AKSHITAAHLUWAL1 :)

[Geetika Gahlot @SheTalksWeb3]

Next #LABHouse soon...!

[Leaders And Builders @leadersbuilders]

200+ people. An amazing venue. Bold ideas everywhere. #LABHouse was pure vibes 💡🔥

Big shout out to @quranium_org @CredShields @hyderabaddao @pune_dao @hash_case @Web3Panjab @Web3Aligarh and more for making it all possible.

Onwards to building what’s next.

[Geetika Gahlot @SheTalksWeb3]

@kunalvg MarClaw

[ETHMumbai @ethmumbai]

BREAKING: Venue Reveal

ETHMumbai By The Bay 🌊

We are hosting this year's flagship conference and hackathon at Nariman Point and Cuffe Parade, respectively.

📍 Conference: Yashwantrao Chavan Centre

📍 Hackathon: World Trade Center

[Geetika Gahlot @SheTalksWeb3]

@AroraBhavyam @OrnellaWeb3 @0xMilica @hiaubree Right back at you 🫶
Web3 is better because of people like you 🚀

[*tribes @tribes_astrix]

🔥 Big news!

We’ve partnered with LAB Residency this September to power the next wave of on-chain communities.

Tribes × LAB = Builders → Belonging → Movements ⚡️

Stay tuned, this is just the start 👀
@labconnects @SheTalksWeb3

[Geetika Gahlot @SheTalksWeb3]

@AroraBhavyam