CRED Unicorn
CRED (legal name Dreamplug Technologies Private Limited) is a Bengaluru-based Indian fintech company that runs a members-only app rewarding creditworthy users (credit score 750+) for paying credit card bills on time, and has expanded into lending (CRED Cash, CRED Mint), wealth management (via Kuvera), UPI/payment aggregation, insurance distribution, and co-branded credit cards. In June 2026 Meta Platforms led a $900…
CRED: Funding Rounds
Acquisitions
Recent Signals
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26 Jun 2026 · content-social
CRED launches AI-powered Credit Coach for personalized credit-score guidance source -
22 Jun 2026 · funding
Meta leads $900M investment in CRED at $4.5B valuation; founder Kunal Shah joins Meta to head WhatsApp source -
10 Mar 2026 · regulatory
CRED receives final RBI authorisation to operate as a payment aggregator source
News on CRED
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L Litmus · by Lapaas
See the full business-model breakdown and validation framework for this company.
View Litmus AnalysisFAQs on CRED
Who founded CRED?
CRED was founded by Kunal Shah in 2018.
How much funding has CRED raised?
CRED has raised $1.81 Bn across 8 tracked funding round(s), most recently on 2026-06-22. Figures are compiled from cited public sources.
Who are the investors in CRED?
Investors in CRED include Meta Platforms, GIC (Lathe Investment), QED Innovation Labs (Kunal Shah family office), RTP Global, Sofina, Alpha Wave Ventures, DF International, Sofina Ventures.
What does CRED do?
CRED (legal name Dreamplug Technologies Private Limited) is a Bengaluru-based Indian fintech company that runs a members-only app rewarding creditworthy users (credit score 750+) for paying credit card bills on time, and has expanded into lending (CRED Cash, CRED Mint), wealth management (via Kuvera), UPI/payment…
Where is CRED headquartered?
CRED is headquartered in Bengaluru, Karnataka, India.
What is CRED's business model?
CRED's core value proposition centers on Rewards for timely credit card bill payment, Unified multi-card credit management with fraud/due-date monitoring, AI-powered personalized credit coaching.
How does CRED make money?
CRED's cited revenue streams include Transaction/processing fees, Lending interest income (CRED Cash, CRED Mint, CRED Max), FY25 consolidated operating revenue, Insurance distribution commissions.