P2P finance in a high trust community


A Peer to Peer (P2P) service connects lenders and borrowers, enabling individuals to get  loans directly from others like them. P2P finance makes borrowing and investing easier — with application, identification and verification processes running digitally. In addition, P2P Finance offers borrowers lower interest rates and enables higher returns for investors due to fewer overhead expenses. It has now emerged as an alternative method of financing that reduces friction, inefficiency, commissions, and overheads to pass on higher earnings to individuals.

While the convenience offered by P2P finance is tempting, its benefits increase manifold when run in a high trust community. CRED is a high-trust platform for individuals, brands, and financial institutions. It was built on the hypothesis that high-trust communities are high-performance economies. Since inception, over 7.5 million creditworthy individuals have joined the CRED community, all with a credit score above 750. 

CRED members have worked hard for their money, the majority being first-generation credit card holders. We are committed to helping them spend, save, and grow it wisely. Our mission is about expanding the privilege of knowledge, access, and wealth-building opportunities to those who deserve it the most: taxpayers who exhibit responsible financial behaviour. 

At CRED, we realised that many of our members on average have INR 2 lakh sitting in their savings account, the value of which is eroding fast due to low interest rates and taxes and inflation. We wanted to create a product for our members where they can invest this money for inflation-beating interest, managed in a transparent and trustworthy manner, and withdrawable as easily as it was invested. To address this, CRED has launched CRED Mint, in partnership with Liquiloans, an RBI registered P2P NBFC. CRED Mint enables members to earn interest on idle money and is powered by a ‘high-trust’ community. 


Investments made in CRED Mint will be lent out through CRED Cash, a lending product created for high-trust CRED members, in partnership with banks and NBFCs. With CRED Mint, members can confidently invest money knowing that it will only be lent out to others like them. To reduce risk further, the invested money will be routed directly to an escrow account held by CRED’s NBFC partner, Liquiloans, and diversified across 200+ borrowers on average. Members who participate in CRED Mint can earn interest rates of up to 9% per annum, higher than what the market offers. 

With CRED Mint, we have made the process of investing money easy, transparent, and fast. Members can put in between INR 1 lakh to 10 lakh in under two minutes, commission-free. Members can request withdrawal in one click, partially or in full at any time with no penalty, and earn interest for the period invested. CRED facilitates this via sales of your loans in the secondary market. The withdrawal process is fully online, and the money is settled with interest, within a working day. 

  • For more information on CRED Mint, watch this video
  • Apply for Early Access: https://cred.club/mint 
  • If you are not a CRED member yet, click here to apply 


about CRED

CRED is a members-only platform that rewards the creditworthy individuals of India with exclusive experiences, rewards and upgrades.