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CRED operates a premium fintech platform that enables high-credit-score users to manage their credit cards and earn rewards for timely bill payments. Founded in 2018 and headquartered in Bengaluru, the company has positioned itself as an exclusive financial services ecosystem, targeting India's creditworthy population through its invite-only membership model. By gamifying credit card payments and offering curated rewards, CRED has built a loyal user base of financially responsible consumers. The platform has expanded beyond bill payments to include lending services, investment products, and lifestyle offerings, establishing itself as a comprehensive financial lifestyle brand for affluent Indian consumers.
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Available in most regions; subject to local regulations.
Open to non-accredited investors with KYC/AML compliance. U.S. investors must meet SEC requirements.
$10 per token, enabling fractionalized access to Pre-IPO shares.
Mandatory identity (KYC) and proof of funds checks.
Variable, applied to investment amounts.
Charged on realized profits.
Tokens may be locked for 6–12 months; resale depends on secondary market liquidity.
Prices reflect past funding rounds, not guaranteed future value.
Biotech depends on regulatory approvals; fintech faces evolving digital asset rules.
Blockchain or custodian issues could delay transfers or verification.
Changing laws may affect tradability or taxation.





