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Startups that solve for the top 10% of users always look stupid at first. That is the point.
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If your product needs a pitch to explain why it's better, it's probably not better enough.
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Credit scores are a proxy for trustworthiness. CRED's entire model is built on the hypothesis that trust compounds.
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The biggest mistake founders make is solving for the median user. The median user is already served. Solve for the extreme user.
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Money is not the goal. Building something that earns genuine trust is the goal. Money follows trust, not the other way around.