Oft misunderstood and frequently maligned, CRED has been the talk of the town ever since it launched. From questions on how they’ll make money, to vitriol on their UX, everyone loves to pick on them. And yet people use the product, somewhere around 2 million of them. CRED processes $1 billion in monthly credit card bill payments. That is 12.5% of the $8 billion monthly credit card bill payments due. For a product that has been around for just a year and a half, it’s mind-boggling. But how will CRED make money?