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Plutus Roadmap | 2022

Plutus is dedicated to delivering the most rewarding debit card on the market.

The Vision

“Liberate everyone with a rewarding and accessible financial system.”

Having awarded our Plutus Card holders with over a million dollars worth of rewards, we are confident we can achieve this.

With the crypto industry constantly evolving, we want to share an update on our upcoming plans so that the community is in-the-know.

2021 | Quarter 4

Compliance Enhancements

Necessary upgrades to ensure Plutus is up-to-date with the latest compliance recommendations.

Infrastructure Improvements

Improving the robustness of our systems and empowering each department to automate processes, enabling us to move faster.

FCA Application

Earlier this year, Plutus began expanding its compliance team by acquiring a MLRO, as well as an ex-FCA employee as an advisor, to help create an improved infrastructure and a more scalable compliance department.

Plutus is currently compiling all the necessary documentation, including company projections, business-wide assessments, shareholder reports, outsourcing arrangements, and more to submit our application for a Crypto Exchange Service Registration. Once this has been approved, the DEX can be re-enabled (see Q3/4).

Team Expansion

To help ensure we achieve our roadmap objectives, we have been aggressively expanding the team; specifically our dev team across Europe. We are always on the lookout for new talent, please email us at with your CV.

2022 | Quarter 1

Rewards & Accounts 2.0

Implementation of our new Rewards & Accounts 2.0 model, consisting of improved subscription plans, attainable staking levels, and higher incentives including up to 8% in Crypto Rewards (PLU).

One of the more appealing aspects of the new Rewards & Accounts 2.0 model is the upgrade of Perks. More details on this and the structure will be released this year.

Revamp Plutus Mobile App

Plutus will be improving the front-facing design of the mobile app so that customers can enjoy a slicker interface. This includes updating the user journey for topping-up your Plutus Card, Swapping Crypto, Connecting a Wallet, and the addition of tool-tips so that Plutus can tackle the mainstream, less crypto-savvy, market.

Referral Programme

This is a much anticipated feature that the team plans to release early on in the year to help with organic growth throughout the remainder of the quarters.

2022 | Quarter 2

Plutus NFT

Part of our new Rewards & Accounts 2.0 model involves unlocking unique and tradeable NFTs for staking PLU. The Plutus NFTs will provide additional utility for Pluton (PLU) and collecting them will unlock various benefits. Full details on this will be revealed closer to the release date.

Revamp Plutus Web App

Following the Mobile App revamp, Plutus will then update the front-facing design of the web application for a more tech-friendly experience.

Curve Integration

Plutus is partnering with Curve so that you can leverage the best of both finance applications. This means we can offer features such as Apple/Samsung Pay, no Foreign Exchange (FX) fees, additional rewards, and more!

The partnership includes many other highly rewarding benefits with a focus on increasing the utility for PLU. More details will be revealed in due course.

Pluton L2 Upgrade

Pluton is the world’s first decentralised rewards token launched on the Ethereum mainnet in 2016, and part of our continual dedication to leading the rewards card market is making sure these rewards are accessible, transferable, and stakeable.

Given the current high gas fees experienced by the Ethereum network, the team is pursuing a Layer 2 (L2) solution so that PLU can be transferred in a low-cost manner, meaning customers can enjoy the full extent of their rewards. Details of this will be announced in due course.

2022 | Quarter 3/4

Re-enable PlutusDEX (GBP)

Whilst this depends on licensing, we are confident the PlutusDEX will be re-enabled for GBP customers alongside a range of DEX-related upgrades in the 2nd half of 2022.

Plutus Wallet Extension

This year, Plutus released the beta version of our Plutus Wallet Extension to a small group of community members to stress test the product and provide feedback. After integrating the above rewards features and implementing a layer 2 solution in Q1/Q2, the complete audited version of our Plutus Wallet Extension will follow.

The team originally planned to release the wallet this year but decided to prioritise regulatory requirements and the development plan for Rewards & Accounts 2.0 — this includes upgrades to our native rewards token for an improved service.

Pool & Earn / PlutusDEX 2.0

The team will be releasing the upgraded version of our PlutusDEX, one that is not limited to a single blockchain, to offer efficient Crypto-Fiat conversions with a built-in liquidity solution; faster, more reliable, and cheaper PlutusDEX swaps. The upgraded feature will also enable liquidity providers to earn a reward. More details on this will be announced in the first half of next year.

BTC Release

Upon releasing the Wallet Extension and upgrading the DEX, Plutus will then follow this up with the addition of Bitcoin (BTC) to the PlutusDEX. Customers will get to enjoy a MetaMask-like wallet extension that can handle Bitcoin, and spend this seamlessly via the Plutus Card.

Note: The Plutus Wallet Extension will enable us to add any tokens to the PlutusDEX.

2-Year Objective

International Expansion

The Plutus team is set on launching our product overseas, starting with Latin America where we know there is high demand for the services we have curated before expanding to other regions.

This year, Plutus set up multiple secondary business entities across Europe to strengthen our foothold in existing supported countries; ensuring a more robust and compliance-orientated product is in place for each local authority before international expansion comes into effect.

Banking License

Similarly, the team is set on becoming our very own bank! we can become a principal card issuer to reduce cost and provide you direct deposits, standing orders, and much more.

The Roadmap

The Plutus team is constantly adjusting our product-direction based on industry-circumstances and fresh data. The above roadmap includes revisions to our priority orders based on what we believe is the right direction for both the business and you, our community; and we are confident in our expanding team to ensure we deliver this.


There are goals in the previous roadmap that have changed or are incomplete?

Yes, some of our priorities this year were adjusted due to infrastructure and regulatory circumstances we faced as a UK crypto startup in a FCA regulated environment. As a result, we are in a better position to release cool features and scale to millions of users in the coming years.

I have more questions relating to the roadmap, where can I ask them?
Sure, we want to hear from you! Please ask Danial (@ddhopn) directly in the comments section of this tweet and he will cover them in his AMA planned in the coming days.




A Finance app that offers banking features combined with a non-custodial wallet. Earn 3% of every debit card purchase back in crypto (PLU).

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Plutus provides an alternative to modern banking and combines it with the ease of access to cryptocurrencies. Earn 3% back in crypto!

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