Right now, someone is playing a mobile game to earn $3 in gift cards. Another person is scanning their grocery receipt for cashback points. Somewhere else, a college kid just installed an app for 500 loyalty points they'll probably forget about.
Here's a fun fact: These people have no idea what a seed phrase is.
They don't care about decentralization. They've never heard of ERC-4337, and honestly? Good for them.
But here's what they do understand: Do thing. Get paid. Right now.
That's the entire game. And it's a game that generates billions of actions every single day across the planet. Apps get installed. Levels get beaten. Receipts get scanned. Points get earned. The machinery runs smoothly because it speaks the universal language of instant gratification.
The Problem Isn't Tech. It's Distribution.
The Walled Gardens
All that value—all that attention, all that behavior—it dies in walled gardens. Points expire. Gift cards get lost. The value extraction is one-way, and when users finally cash out (if they can), they're back to zero.
The Empty Stadium
Meanwhile, over in crypto-land, we've built the most powerful financial infrastructure in human history. But nobody's using it. We've got the stadium, the lights, the sound system—but the crowd is still at home watching Netflix.
Let's be honest about what went wrong with "mass adoption." We asked normal people to learn an entirely new paradigm before they got any value. We front-loaded all the friction.
Consumer behavior works like this: Reward first. Explain later. Maybe.
So here's our thesis: What if we just... paid people for what they already do, and then quietly routed that momentum into crypto?
The Creedo System
Gaming → Rewards → Crypto → Finance
Earn (The Familiar Part)
Users do normal stuff: Play mobile games, complete offers, scan receipts. It's gamified, dopamine-rich, and fun. Behind the scenes, we're working with 200+ advertisers and major rewarded ad networks.
Redeem (The Moment of Truth)
Users hit a threshold and cash out. Instead of points, they get real USDC in a wallet they own. No seed phrases, no jargon. Just "You earned $15. Withdraw it."
Multiply (The Upgrade)
Once they have a balance, we offer upgrades: Staking (Earn 8-12%), Token Baskets (Diversify), Prediction Markets. 20-35% will try these, turning from users into participants.
Why Crypto? (The Real Answer)
Crypto rails unlock programmable, portable, composable value.
For Users
- Paid in stable, real-value assets (USDC).
- True ownership and portability.
- Simple path to financial tools (staking, yield).
- Multiply rewards instead of resetting to zero.
For Businesses
- Turn rewards into on-chain wallets and TVL.
- Programmable payouts and incentives.
- Access real mainstream users, not airdrop farmers.
- Route UA spend into on-chain activity.
Why Now?
Rewards Are Mainstream
Loyalty and gamified rewards have normalized the "time-for-value" exchange. 65% of game devs will increase ad spend on rewarded channels.
Advertiser CAC Is Broken
Social platform CAC is irrational. Rewarded intent outperforms on payback and retention. It's a healthier exchange.
Infrastructure Is Ready
Custodial wallets, compliant fiat rails, stablecoins, account abstraction. The tech is finally ship-ready.
The Market & Value Chain
We Eat Three Budgets
- Loyalty Infrastructure: $15B market, growing to $41B.
- Gaming UA: $29B annually on user acquisition.
- Consumer Crypto: Billions in revenue and $100B+ liquidity.
How It Works
- Advertisers: Pay per action (CPA/CPE).
- Creedo: Verifies events, pays users, earns margin.
- Users: Earn crypto, stake/invest, keep coming back.
Business Model
We generate revenue through two core streams, capturing value at both acquisition and retention.
1. Core Rewards Margin
We get paid by advertisers for every completed event (app install, level beaten, survey). We keep a platform margin on every reward disbursed.
- Gross Reward Value: $4.50 per new user.
- Payouts + Ops: -$2.70
- Net Platform Margin: $1.80
2. Finance-Layer Upside
As users transition from earners to investors, we earn revenue share on financial upgrades.
- Staking Spreads: Margin on USDC yields.
- Basket Fees: Management fees for token baskets.
- Prediction Markets: Transaction fees.
Impact: Finance attach at 20-35% adds $0.60-$1.20 of incremental LTV per user.
Our Targets
Payback Period (Net Cash)
LTV/CAC Multiple
Product Roadmap
Phase 1: MVP
The "Earn & Cash-Out" Engine
Users earn USDC. Social sign-on. Prove CAC and retention.
Phase 2: Utility
The "Spend & Evolve" Wallet
Account Abstraction (Smart Wallets). Direct spending. Finance attach.
Phase 3: Growth
The "Investment & Engagement" Platform
Staking, Prediction markets, Personalized offers. LTV/CAC ≥ 3.
Why Creedo Wins
Unfair Advantages
- Real Users: Not bots or airdrop tourists.
- Distribution: Backed by 200+ advertisers.
- Experience: We know CAC, fraud, and retention.
- Real TVL: Routing to on-chain activity.
Go-To-Market
- Phase 1: Referrals, Community seeding, CPA tests.
- Phase 2: Scaled CPA/CPI, Referrals v2.
- Phase 3: Co-funded campaigns with protocols.
The Team
Anant Tyagi
Co-Founder & CEO
Leading Partnerships at MAF. Ex-Product Lead at Polygon. Connects advertisers and protocols.
Abhiram Anil
Co-Founder & CTO
Engineering Manager at Polygon. Ex-game dev. Knows how to build and scale.
Nirmal
Chief Design Officer
Makes things beautiful and intuitive. Ensures user delight.
The Vision: Mainstream In. On-Chain Out.
Creedo is the missing link between the world that works (loyalty, rewards, gaming) and the world that could work (crypto, DeFi, on-chain finance).
Rewards that print habits. Habits that print wallets. Wallets that power an ecosystem.
If you want to fund the switchboard that lights up the next ten million users—without a single "gm"—let's talk.
Learn More at creedo.club