engineer, inventor, migrant. building @CRED_club ; lesser half to @monagandhi ; @virginia_tech alum. 🇮🇳

India
Joined November 2008
miten sampat retweeted
the moat is how much energy you have
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miten sampat retweeted
the silliest way to lose a lot of money in 2026 is to hold onto stupid priors for dear life the second silliest is to make “safe” bets behind prestige vs. first principles evaluation of tech/business. if a company has fancy pedigree but is just losing…don’t fight the tape
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miten sampat retweeted
the result is proportional to size of your dream - masa
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If you’re intelligent but still broke, work on your ego.
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Mona Gandhi, Co-Founder & CEO of Kello, will be joining us LIVE on the show today at 4 PM.
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India’s credit card market could be on track for 3x growth. On Fintech Baatcheet, hosted by @ndtv, Miten Sampat (@miten), Interim CEO, @CRED_club, pointed to the headroom ahead: credit cards are currently held by just 4.5–5% of Indians, while total credit card spending could eventually grow from around $300 billion to $1 trillion. In conversation with our President & CEO @ShwetaRKohli, Sampat added that as credit adoption expands, the opportunity for fintechs will be to make credit simpler, smarter, and more engaging.
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miten sampat retweeted
Intelligence is the ability to solve an unseen problem.
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miten sampat retweeted
After 9 years. 16K+ family homes. 500M sqft inside real homes covered, we know home robots are being built in wrong order. So we built Matic the way nature grows a child. Finally, sharing our vision: 1.⁠ ⁠Why robots get stuck at the demo 2.⁠ ⁠Why labs can't ship robots 3.⁠ ⁠Why we started with eyes, not hands 4.⁠ ⁠The 99.999% rule in robotics 5.⁠ ⁠Where Matic is going next 1. Why most robots get stuck at demos Robot demos look brilliant in a room arranged around its limitations: familiar lighting, predictable furniture, nothing troublesome on the floor. A family’s home makes no such accommodations. There are cables, toys, shifting rugs and, occasionally, dog poop. Yes, humanoids will need to avoid that too. Repeating a task under familiar conditions of uncluttered floors is not the same as handling an unfamiliar home with all its chaos. 2. Why labs can't ship robots SLAM (Simultaneous Localization and Mapping) is how a robot maps its surroundings and locates itself within them. Ask most academics and they'll tell you it's a solved problem. But real homes are the most chaotic spaces that exist. There are glass doors that look like open doorways, mirrors, stairs, rugs, charging cables, and Legos placed all around. So ask yourself: if indoor mapping and navigation is "solved," where are the robots? Why aren't airports, hotels and grocery stores full of them? Calling it “solved” misses the question families actually care about: can I leave this thing alone and trust it? 3. Why we started with eyes, not hands Nature doesn't give birth to a fully working human. We took our cue from how nature develops humans: capabilities built on one another. Children learn to see before they learn to grab, and to grab before they learn to plan and handle the unexpected. Perception comes first. Manipulation follows. More complex responsibilities come after that. At every stage, the robot must earn the next job by doing its current one well enough. Before asking a robot to pick up a sock, we wanted it to understand where it was, where the sock was, and how to reach it. Most of the industry started at the top, with humanoids. We started at the bottom, with a robot whose job is to see and move through a home precisely with 1cm accuracy in any lighting condition. Floor cleaning gave that foundation an immediately useful job. It forced us to confront navigation, clutter, privacy and everyday reliability before reaching for more complex chores. The floor cleaner isn’t a detour from our larger ambition. It is how we’re building toward it. 4. The 99.999% rule in robotics At 90%, one in ten decisions is wrong, and a robot makes thousands in a single clean. That's the robot that bumps, gets lost, and falls down the stairs. Every extra nine is a new mountain. The failures get rarer, harder to find, and exponentially harder to fix. They barely even happen until they happen in your home. Matic's visual SLAM runs at 99.999% in 16K+ homes. We’re the ONLY unsupervised home robot at scale with pure vision-only full autonomy. If you ask us, the gap between 80% and 99.999% is where our 9 years of engineering went. We close that gap inside real homes. When Matic handles something imperfectly, it saves a short clip and keeps it on the device. It only leaves if the family chooses to share it. If they do, it gets labeled, fed back into the model, and every Matic gets smarter, including theirs. Families control what leaves their homes. We do the work of making the product better. Better robots earn trust > trust brings more homes > and more homes teach the robot more. 5. Where Matic is going next Phase one was perception and it's nearly done. Matic has covered 500 million square feet, 400K miles in thousands of real lived-in homes. Now phase two is going to be about manipulation. And our idea is to build a robot that doesn't just move through your home, but acts in it to eliminate even more chores. Each step must be useful today, not justified by something we promise tomorrow. The evolution of Matic is the revolution. The goal isn’t to put the most impressive humanoid in your living room. It’s giving your family time and energy back through robots that earn your trust, protect your privacy, and help without becoming another responsibility. More time for each other. Less work getting in the way. That’s Matic. Get yours today at maticrobots.com
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miten sampat retweeted
settle for everything.
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The obvious is missing. So we built Sol - hellosol.app Sol finds the work itself, does it, and comes back for your approval. Every day in our emails we say "I’ll share”, "I'll review”, "I'll get back" - then repeat the exact same thing to an AI. Why? Sol finds everything you said you’d do & gets them started for you. It does the research, creates the doc, builds the slides, finds the time, connects the dots across multiple emails, doing everything it takes to get the job done - but doesn’t send, schedule, or share anything until you approve. Sol runs on its own computer, uses a browser, and has a library of skills that automatically get assigned to the work that needs to get done. No setup. It just starts working. We've raised $4M from General Catalyst, Nexus Venture Partners, DeVC, PeerCheque, Kunal Shah, and a few others. Extending early access now. @generalcatalyst @nexusvp @DeVC_Global @peercheque @neerajarora @b_jishnu @kunalb11 @miten @RTinkslinger @Rahul_J_Mathur @AkarshS27 @SiddhantD06 @RajatAgarwal167
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miten sampat retweeted
Best roles in life come with responsibilities, not with job descriptions.
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Still amazed by the extent to which growth solves all problems in business
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miten sampat retweeted
the fragility of product/market is shown each week in the never ending race as AI models improve improve improve newer models make prior ones obsolete, showing that PMF isn’t just about your product’s features, but how it compares to alternatives across the ecosystem Product/market fit follows the frontier. What was perfectly good and powerful one week is ignored the next. I know that a few months ago I thought Opus 4.5 was amazing. Today I can’t imagine using it when Opus 5 is available Thus your moat depends on your ability to deliver the next innovation, then the next after that…
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miten sampat retweeted
you get better at doing things by doing things
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miten sampat retweeted
We were first investors with Kunal in both Freecharge and @CRED_club and have had a front row seat, watching Kunal create new categories. Cred would not be here without Kunal’s incredible vision and leadership. Cred is in a terrific spot today. With strong market share in core categories, incredible distribution and user love, significant revenue scale, a world class team working together for many years and a rock solid balance sheet. I am excited about the next phase of Cred, which will be about consistent and profitable compounding and an accelerated journey to IPO. Looking forward to working with Miten and the team on this next phase. @peakxvpartners @CRED_club @kunalb11 @miten @mickymalka
It’s been a minute. 2015–2018 - Exited FreeCharge. Spent time learning and investing. - Pondered about: Why can't trust be rewarded? Started with $1M of personal capital. - Launched CRED to reward people for paying credit card bills on time. 2019–2025 - Built a system run by a team that values ownership, judgment, and craft. - Grew from 0 to 17M members by aligning incentives with behaviour. - Built several products during COVID lockdowns. - Raised $900M+ from global investors. Did 4 ESOP buybacks. - Made Indiranagar and IPL ads slightly more interesting. - Received a full stack of regulatory licences. - Lost 35 kilos. - Scaled from 0 to ~$325M ( ~₹3,200 crore) in annual revenue across payments, lending, insurance, commerce, wealth, and credit cards. 2026 - First profitable quarter (yet occasionally asked what our business model is) - Raised another $900M from Meta in primary and secondary capital. - Announcing our 5th ESOP buyback. Today CRED is ready for its next phase. I am stepping back and @miten steps in as interim CEO, partnered with an incredibly talented team. He has been heading strategy and finance and suffering me since 2020. I’m stepping away from the operating role and will continue as a shareholder. My commitment doesn’t change. Just the role. Extremely grateful to our members, partners, regulators, and investors who made this possible. And to our board, Shailendra, Micky, Saurabh for their extraordinary conviction. Team CRED, I’ll still expect you to be a 10x version of yourselves. As for me, I’ll be joining Meta to lead WhatsApp globally. Meta comes in as a minority investor in CRED. No access to member data. While it’s come very far, the delta between WhatsApp today and its full potential is massive. I look forward to working with Mark, Chris, and the leadership across Meta for the next step in WhatsApp’s journey. Will, thank you for scaling something the world relies on quietly, and for making this transition smooth. Onwards.
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miten sampat retweeted
The product is the mission.
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miten sampat retweeted
Never settle in the foothills.
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Few months of profit at CRED. It’s kind of getting addictive for the whole team.
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miten sampat retweeted
The world is run by people who give a shit.
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miten sampat retweeted
Future books will be written monk-mode, by hand, completely offline, in digital monasteries purpose-built for focus.
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