CRED, Kunal Shah, And The Questions That Won't Go Away

Updated: Jun 23, 2026 22:12 pm IST Published On Jun 23, 2026 22:10 pm IST Last Updated On Jun 23, 2026 22:12 pm IST

Published On Jun 23, 2026 22:10 pm IST

Last Updated On Jun 23, 2026 22:12 pm IST

Any news about CRED, and the question is always the same: what exactly is the business model? So persistent is this query that Kunal Shah himself took a dig at it on social media, while announcing Meta's landmark investment in his company, and his own appointment as global CEO of WhatsApp. Type "CRED" into Google, and the search engine pre-empts you, jumping straight to questions about how the fintech startup works and makes money. Reddit threads devoted to explaining it are too many to count.

What Is CRED's Business Model?

Founded by Shah in 2018, CRED was built to reward creditworthy Indians for responsible financial behaviour. What began as a credit card bill payment platform has since........

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