Is cred business model sustainable?

Almost every cred user has half a million cred coins. Of what use are they? What if cred makes their entry in crypto?

Cred is truly a topic of surprise for me. Yes, I understand it has created a community of top spenders/credit worthy people in India. I also understand that they can use the information on such people for creating value for themselves. Being a cred user, I only use it to pay the bills. I really wonder if they have built any b2b business or alternative source of income beyond what's seen to the end user. What's the game plan for the cred? I also applaud the fact that cred hasn't laid off people having paid them better than most companies. I really wonder if the business is really that strong or the conviction is. Would you join cred if given a chance to work there?

- Are these guys on the path to profitability now? What do they even do? Just sell loans and insurance to rich people who won't fall for that shit anyway? What's their edge over the hundreds of other companies already doing that? - How much are they burning now? How much runway do they have? - Cuz everyone abuses their CRED coins and calls them worthless. - Most importantly, I'm sick of seeing Kunal Shah's smug dp pop up on my Twitter everyday with some new gyan while it's unclear what he even does

What's the current value of those with Face value 10, How many do you own what's the Grey market Price ?

Is Cred a business or just a long party? If they are a business then how do they make money? What do they stand for - currently it just looks like a hangout place for super privileged bros?

https://www.youtube.com/watch?v=fE0frCNDccQ&ab_channel=CRED