Go @nikhilsachdev 🚀🚀🚀

Neki is real and you can try it today! planetscale.com/blog/introdu…

250 years old & still Day 1. Because the people who are crazy enough to think they can change the world, are the ones who do. LFG. 🇺🇸🇺🇸🇺🇸🚀🚀🚀 @TrumpAccounts

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.

For 5 years PlanetScale has had one thesis: reliability, performance, and scalability are all that matter for DBs. The scale to zero and vibe coded slop DBs have grown faster but our customers have built giant businesses on top of us and thats how you win in the long term.

1/ General-purpose robotics is the rare technological frontier where the US / China started at roughly the same time and there's no clear winner yet. To better understand the landscape, @zoeytang_1007, @intelchentwo, @vishnuman0 and I spent the last ~8 weeks creating a deep dive on humanoid robotics hardware and flew to China to see the supply chain firsthand. Here's everything we've created + our takeaways about the components, humanoid comparisons, supply chains, and geopolitics👇

Nine years of journey serving millions of Indians, including many who never had access to credit before. Every change, every breakthrough, every customer we've empowered has led us to this defining moment. Today, we start a new chapter for slice: Introducing the slice super card, our breakthrough UPI credit card designed for everyone UPI transformed payments for 400 million Indians and made most of them credit-eligible. Yet more than 200 million remain underserved by traditional institutions, forced into unfavorable terms. Our risk intelligence, card experience, and the UPI network can change this We also opened India's first UPI-powered bank branch in Koramangala, where every interaction – from opening accounts to cash deposits – runs entirely on UPI We believe credit that works seamlessly within UPI can help hundreds of millions more Indians access better financial services. The future of Indian banking starts now @slicebank