Meta is reportedly in talks to invest in fintech unicorn CRED, in a deal that could value the company at around $4 billion, according to multiple media reports.
As per media reports, the discussions are understood to be centred on a primary capital investment worth tens of millions of dollars, though the exact structure of the transaction remains under consideration.
Reports also indicate that Meta has explored several strategic options, including taking a minority stake, pursuing a full acquisition at a lower valuation, and even bringing CRED founder Kunal Shah into an operating role within the company.
The proposed valuation represents an increase from CRED’s reported marked-down valuation of approximately $3.5 billion in 2025, but remains significantly below the $6.4 billion valuation the company achieved during its last major funding round in 2022.
Founded in 2018, CRED operates a members-only fintech platform focused on creditworthy consumers, offering services spanning credit card bill payments, rewards, lending and UPI-based payments. The company has built a sizeable base of affluent users and expanded beyond its original credit card payments proposition into a broader financial services ecosystem.
According to reports, the discussions come as CRED looks to secure fresh capital while continuing its efforts to improve profitability and scale its financial services offerings. Existing investors are also expected to participate in any future fundraising round.
