Vishnu Ko

design travel photography | design & product @CRED_club previously @dunzo_it | @Zetasuite

[CRED @CRED_club]

face-forward.

[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.

[CRED @CRED_club]

know thyself.

[CRED @CRED_club]

look closer.

[Andreas Storm @avstorm]

Apple had some fun with the App Store icon

[Vishnu Ko @vishnukoux]

It was fun designing this :)
A truly magical experience ✨

[CRED @CRED_club]

new password: you.

[Vishnu Ko @vishnukoux]

solitude

#sonyalpha #sonya7cii #documentaryphotography #minimalism #visualstorytelling

[Vishnu Ko @vishnukoux]

#pottantheyyam #theyyam #kannur #createwithsony #sonya7cii

[Vishnu Ko @vishnukoux]

Chaos. Color. God.
Captured during Holi in Varanasi

#Varanasi #holi #holi2025 #HoliVibes #DivineRituals #IndiaUnfiltered #StreetPhotographylndia #sony #sonyalphaindia #a7cii

[Kunal Shah @kunalb11]

CRED started with a simple idea: the trustworthy deserve to progress.

Eight years on, it has become a club of 1.5 crore creditworthy Indians who are deliberate about how they earn, build, grow, and live.

Progress compounds when sharp people help other sharp people think better.

So we’re building something new and are curating residents for that initiative : exceptional people, willing to share their time and judgement with CRED members.

Our founding residents are A-players in money, careers, relationships, wellness, and more.

Excited about this next stage of the club.

[Dylan Field @zoink]

https://t.co/fsYWgHN8ur

[Figma @figma]

Tired: code or canvas
Wired: code AND canvas

Introducing Claude Code to Figma

[Vishnu Ko @vishnukoux]

#theyyam #folkart #rituals #kannur #sonya7cii #createwithsony

[Kunal Shah @kunalb11]

Built something for power users of CRED.

[CRED @CRED_club]

know your worth.
https://t.co/8etXegFAuz

[CRED @CRED_club]

museum-grade. wallet-sized.

[CRED @CRED_club]

those who deserve to know, will know.

[CRED @CRED_club]

clear-tech thinking. in a credit card.

[Figma @figma]

And yes, the new iOS and iPadOS 26 UI Kit is now available