CRED has launched a new app, Circle by CRED. It’s a peer-to-peer advisory platform, live as of August 18, 2026. If you’re a CRED member, you might get early access, though right now, it’s only open to a select group out of their 17 million users. The idea is simple. You book a one-on-one session with a vetted expert, called a Resident. Need advice on money, career moves, wellness, or even relationships? You can talk to someone who’s been there.
Key Takeaways
- Circle by CRED lets users book direct text, audio, or video calls with verified experts called Residents.
- The service runs daily between 6 PM and 10 PM, with per-minute fees starting at Rs 25.
- Over 100 Residents are available during the beta rollout.
- The app is available on Android and iOS, with non-beta users placed on a waitlist.
How the Service Works
Circle by CRED is a paid, direct-access network. You pick from over 100 Residents, these are people with real experience. Some are startup founders who can walk you through hiring or fundraising. Others are product leaders who’ve switched careers themselves. There are even relationship specialists who’ll look over your dating profile if you want. It’s not just theory. These are people who’ve done the work.
CRED chooses Residents based on verified track records, professional relevance, and domain credentials. Members can choose to hold a single session or set up repeated discussions with the same expert over time. Interaction modes include real-time text chats, voice calls, and video sessions. Consultations are open seven days a week between 6 PM and 10 PM IST. Pricing begins at Rs 25 per minute.
Target Audience and Availability
Bengaluru-based CRED operates primarily as a credit card payment and financial management platform for high-trust consumers in India. With Circle, the company is testing a monetization layer built directly around member knowledge sharing.
Miten Sampat, interim Chief Executive Officer at CRED, stated that while raw information is readily accessible, sound judgement develops only through direct experience, and the new platform gives members quick access to experienced peers.
The application is listed on both the Google Play Store and Apple App Store. Select CRED members can access the service immediately in beta, while other members can download the app to join an onboarding waitlist. Members who want to offer their guidance on the platform can apply directly through the official CRED website.
Frequently Asked Questions
Q1. What is Circle by CRED?
A1. It is a standalone mobile app from CRED that lets members book paid one-on-one advice sessions via text, voice, or video with domain experts across money, career, and life topics.
Q2. Who are the Residents on Circle by CRED?
A2. Residents are verified practitioners, operators, founders, and specialists selected by CRED based on their professional experience and credentials.
Q3. How much does a session cost?
A3. Consultation charges start at Rs 25 per minute.
Q4. What are the operating hours for the service?
A4. Members can connect with Residents every day of the week between 6 PM and 10 PM.
Q5. How can users access the app?
A5. The app is available on Android and iOS. It is active for select users in beta, while other CRED members can join the waitlist.
