
CRED After Kunal Shah: Can The ‘Walled Garden’ Business Model Pay For Itself?
CRED uses credit card bill payments to bring 17 Mn-plus members into its app, then earns by distributing loans and other financial products to this user base Lending is now its mai






![[Update] Zepto Confirms IPO Pause, Plans Pre-IPO Fundraise](https://inc42.com/cdn-cgi/image/quality=90/https://asset.inc42.com/2026/07/Zepto-FY26-social.jpg)




