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Founded in 2018 by Kunal Shah, CRED is a fintech company based in India. Its primary business is a mobile application that allows users to pay their credit card bills through the platform, rewarding them with "CRED Coins" for each payment. These coins can be redeemed for a variety of rewards, discounts, and access to exclusive products and experiences from partner brands. The company targets individuals with high credit scores, aiming to create a community of the most creditworthy people in India. Over time, CRED has expanded its services to include rent payments (CRED RentPay), personal credit lines (CRED Cash), an e-commerce platform (CRED Store), and vehicle management services (CRED Garage).