In the four years since its launch, fintech unicorn Cred has built a sizable base of high-income users, who love ’90s nostalgia. While credit-card bill payments, with a well-advertised rewards tier tacked on, were its first offering, it has since expanded into other financial services, namely lending, and commerce.

Now, Cred, last valued at over $6 billion, is faced with the dual challenge of keeping the magic going and squeezing more revenue out of its base. Simply put, it needs to make the app do more.

At the moment, founder Kunal Shah and his team seem up to the task and already have a trick or two up their sleeve.

The CapTable understands that Cred is testing a new scan-and-pay feature for shopping and routine purchases. While still in the early stages of development, it is expected to be a type of a UPI-based transaction, which can be initiated through the Cred app. One would have to scan a QR code at the merchant outlet.