Rajat Mathur

[Rajat Mathur @whatsInTheName_]

Released game on Main #Ethereum Net.
ÐApp : https://t.co/gn2Juol8t9
Now you can play on both #Rinkeby Test net as well as on Mainnet.
#Dapp #SmartContracts #BettingGameOnline #ProvablyFair
@vermapratyush @shobhit_puri Check it out.

[miten sampat @miten]

financial discipline isn't a sprint.
it's a relationship with wealth built over time.

introducing the @CRED_club AI credit coach

give it a spin

[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.

[Rajat Mathur @whatsInTheName_]

AI thought of the day, High effort pe Claude Hona chahiye, life nahi

[Rajat Mathur @whatsInTheName_]

@miten @WhatsApp Default/Quick reply on “They owe” should be

[Kunal Shah @kunalb11]

Few months of profit at CRED.

It’s kind of getting addictive for the whole team.

[Rajat Mathur @whatsInTheName_]

@GetOneCardIN @OneCardHelp getting promotional comms on repeat

[Kuvera @Kuvera_In]

TradeSmart is now on Kuvera by CRED.

Before you redeem a mutual fund, it flags any short-term capital gains tax or exit load, and lets you avoid both with one tap.

Keep more of what you redeem.

https://t.co/8CWNq1u4Co

[Rajat Mathur @whatsInTheName_]

Someday, today will be the thing we miss

[Rajat Mathur @whatsInTheName_]

@RickRick1580144 DMed

[Rajat Mathur @whatsInTheName_]

Hey,

My idle money has been earning 2.5X more since I found Surplus.

It helps grow my portfolio while keeping my money available when I need it.

Use my invite within the next 7 days and try it on Kuvera by CRED: https://t.co/oLQHPW72kg

[Ajay Mahadevan @babar_handi]

Upgrade your judgement!

Built from ground up :’) ❤️
Hope you like it!

[mrpicule.eth @MrPicule]

@pronoy @Kuvera_In @whatsInTheName_ @CRED_club The Surplus feature is lowkey a game changer for keeping your capital working. Managing the bag is half the battle when markets get choppy. Good to see the interface finally matching the tech. Are you shifting everything to their behavioural framework now. Wagmi

[pranayy @pronoy]

got access to @Kuvera_In surplus thanks to @whatsInTheName_

was a kuvera user since years, now post cred acquisition the app looks sleek, clean and got the features covered i need to track and manage my money and invest at the same time.

kudos to @CRED_club for taking the right decision to make kuvera part of it.

[Rajat Mathur @whatsInTheName_]

@pronoy DMed

[Rajat Mathur @whatsInTheName_]

@pronoy Didn’t get it

[Rajat Mathur @whatsInTheName_]

@pronoy DM not open

[Rajat Mathur @whatsInTheName_]

@pranjulxp @sumit_218 @kunalb11 @rustapharian @Kuvera_In @CRED_club DMed

[Rajat Mathur @whatsInTheName_]

@punskaari DMed

[Rajat Mathur @whatsInTheName_]

@venkatesh_Att DMed

[Rajat Mathur @whatsInTheName_]

@gsarath783 Sent in DM

[Rajat Mathur @whatsInTheName_]

@punskaari DM not open