Priyal P

Power and Energy demon | Software Developer with a Master's in Engineering | Hobbies- Comment on Random posts cuz why not!

[Priyal P @this_is_2P]

@Sikandar_e_Sani @IndraVahan @f4iryfire3 That's what they said before asking him to write an essay

[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.

[Priyal P @this_is_2P]

@financeby_shrey Yes

[Priyal P @this_is_2P]

@elonmusk Lalpari drivers use anti matter on Pune-Mumbai expressway everyday

[Priyal P @this_is_2P]

@Lordmiles If your metric is the number of converts that is no better than a ponzie scheme. Hindus don't go around asking people to convert.

[Priyal P @this_is_2P]

@Portfolio_Bull Again an imaginary friend with boat load of money

[Priyal P @this_is_2P]

@wills_berry @CricketCentrl Couldn't bear the sight of you having 999 likes and made it 1k cuz he's a retard.

[Caт 🐝 @CatShoshanna]

Worlds first palestinian kangaroo

[Priyal P @this_is_2P]

@PravinKhetan @NiteshKkothari @grok what does he mean 5x leverage but PE is only 20 for nifty

[Priyal P @this_is_2P]

@dmuthuk Last sentence is fire

[Priyal P @this_is_2P]

@catale7a Let's agree for a sec, but mainstream teaching associated with them does not invoke harm against other Jivas. Even as an atheist, that's rational behavior. Thus, who created gods is less important than what was preached in their name. That's what scriptures are for, not hearsay .

[Priyal P @this_is_2P]

@blitzkreigm Didn't even realise we reached the end of IPL. That's a first in the last 2 decades

[Priyal P @this_is_2P]

@RajratnaWrites A golden example of what's in the name!

[Priyal P @this_is_2P]

@th_anonymouse Both are wrong

[Priyal P @this_is_2P]

@Kritical_62 @Delhikabacha Didi tak pehli scheme nahi pahuchi shayad

[Priyal P @this_is_2P]

@KonkanRailway these are the brands on vande bharat meal. I do not have a picture of the pre-mix tea. If you can charge for meal the least you can do is give good brands. What is verka, tops, harvest? And the upma zero taste. @IndianRailMedia @railcomplaint

[Priyal P @this_is_2P]

@MuslimHuman77 People like you are the problem. Educated muslims do realize their forefathers were once Hindus and they are now ardently following Islam which is okay. But denying Hinduism is older is how stupid radicals are born.

[Priyal P @this_is_2P]

Honestly lost interest in IPL. Every match is 240+ what is the fucking point of this. I was a die hard MI fan. IPL killed that feeling. Had they won this one, I couldn't care less this edition. You've ruined the sport BCCI.

[Priyal P @this_is_2P]

@Ankiii_i Another marketing gimmick

[Priyal P @this_is_2P]

@GongR1ght Lavde Indian bolke toh chaar cheez bech paate ho nahi toh koi tumse chai bhi na le

[Priyal P @this_is_2P]

@rajatahir27 Your dad not praising you for small wins is the reason you can't see someone else to do it to their kid?