Welcome to City Protocol
Open infrastructure for neofinance, starting from structured products.
City Protocol is an open infrastructure for neofinance, starting from structured products.
Our vision is to make high-quality yield products programmable, verifiable, operable, and distributable onchain. The starting point is structured products because they expose the real infrastructure problem in onchain finance: a credible financial product needs more than a token, a vault, or a frontend. It needs a defined mandate, approved components, product-level NAV, subscription and redemption logic, eligibility controls, reporting, disclosures, rebalancing rules, and lifecycle operations.
City Protocol turns those requirements into shared infrastructure.
The first product surface includes structured yield products such as ETP-style RWA income products, multi-vault income products, stable-yield blends, thematic allocation products, market-neutral strategy products, copy-allocation products, tenor-based structured yield products, and model portfolios for wallets, exchanges, fintech apps, and wealth platforms. These examples are practical product templates, not just narrative categories: each one needs component rules, NAV sources, fee terms, eligibility policies, redemption windows, risk labels, reporting cadence, and distribution controls.
Financial products are moving onto crypto rails, but the infrastructure for launching and operating them is still fragmented.
Yield providers need tokenization, NAV reporting, investor controls, verification, and distribution.
Vault operators need secure contracts, accounting, monitoring, governance, allocation controls, and redemption logic.
Product issuers need methodology management, component validation, product-level reporting, rebalancing, disclosures, and lifecycle controls.
Consumer apps, exchanges, wallets, and protocols need Neofinance modules such as yield vaults, structured products, swaps, payments, cards, on/off-ramps, KYC/AML, and lending without integrating every provider one by one.
City Protocol brings these requirements together into one stack:
Tokenization as a Service (TaaS) turns yield sources into programmable, verifiable, distribution-ready onchain products.
Vault as a Service (VaaS) operates deposits, NAV-driven accounting, strategy controls, proof records, monitoring, and redemption.
Issuance & Operation Layer turns tokenized assets and verified vaults into structured financial products with product methodology, component rules, product-level NAV, subscriptions, reporting, fees, rebalancing, status controls, and lifecycle operations.
Neofinance as a Service (NaaS) exposes products and financial modules through APIs, SDKs, and partner integrations.
Attention as a Service (AaaS) supports distribution, discovery, campaigns, contribution tracking, user education, and rewards.
The result is a one-stop infrastructure layer for structured yield and neofinance implementation. Asset managers can bring institutional strategies onchain.
Curators can launch verified vaults with clear controls.
Product issuers can package assets and vault exposures into ETP-style products, baskets, managed strategies, and defined-tenor products.
Platforms can add financial products through APIs and SDKs.
Users can access, monitor, and redeem products through simpler interfaces.
City Protocol is building the rails for the next phase of onchain finance: an infrastructure layer where high-quality yield products can be created, verified, operated, distributed, and used globally.
Why City Protocol
Productized Yield Infrastructure
City Protocol gives yield providers, strategy managers, and product issuers a path from asset source to structured product. It supports tokenization, vault operations, product methodology, product-level NAV, reporting, eligibility controls, and distribution in one stack.
How City Protocol Works
City Protocol works through four connected infrastructure layers: the Tokenization Layer, Vault Layer, Neofinance Layer, and Attention Layer.
Each layer solves a different part of the neofinance lifecycle.
Together, they create a full path from yield supply to user access: yield sources are tokenized, tokenized products are operated through verified vaults, vaults and financial services are embedded into partner applications, and distribution is supported through measurable attention and participation.
Neofinance Layer
The Neofinance Layer is powered by Neofinance as a Service (NaaS).
This layer exposes City Protocol's financial infrastructure through APIs and SDKs so partners can integrate neofinance features without rebuilding the full backend themselves.
How it works
A partner application selects the modules it wants to integrate.
NaaS exposes the relevant product data, eligibility logic, transaction flows, and service integrations.
The partner can embed yield vaults, tokenized products, swaps, ramps, payments, cards, lending, borrowing, rewards, or agentic payment flows.
Users interact through the partner's interface or a City Protocol-powered frontend.
The underlying City Protocol stack handles vault state, product data, eligibility checks, redemption status, and related financial modules.
The key idea is modular integration. A wallet, exchange, fintech app, Web3 product, or developer can add neofinance functionality through one infrastructure stack instead of stitching together many separate vendors and protocols.
Six Core Modules:
Yield Automated return generation via Gauntlet, Steakhouse, Superstate, and more
Swap Best-execution routing via PancakeSwap, Aerodrome, Uniswap, Li.Fi
Payment Fiat and crypto rails via Gnosis Pay, Zerohash, StraitsX, and AI-native OpenClaw integration
On/Off Ramp Global fiat gateways via Moonpay, Ramp, Mercuryo, Metacomp
Lending/Borrowing Deep liquidity via AAVE, Compound, Morpho, Maple
KYC/AML Compliance via Persona, Veriff, Onfido, Comply Advantage
Tokenization Layer
The Tokenization Layer is powered by Tokenization as a Service (TaaS).
This layer helps yield providers, asset originators, and strategy managers turn yield sources into tokenized, verifiable, distribution-ready onchain products. It is designed for products such as RWA-backed lending, private credit, tokenized treasuries, market-neutral strategies, DeFi yield products, and managed-account strategies.
How it works
A yield provider brings an asset, strategy, fund, account, or deal flow.
City Protocol helps define what the tokenized product represents.
TaaS configures investor eligibility, subscription rules, redemption rules, product metadata, and supported networks.
NAV monitoring, oracle publication, attestations, proof records, and reporting logic are connected.
The product becomes ready for distribution through City Protocol, partner platforms, APIs, SDKs, or supported networks.
The key idea is that tokenization is not only token issuance. A tokenized yield product must also be understandable, permissioned where necessary, correctly valued, verifiable, and operable throughout its lifecycle.
Tokenization As A ServiceVault Layer
The Vault Layer is powered by Vault as a Service (VaaS).
This layer provides standardized infrastructure for launching and operating verified yield vaults. It controls how capital enters a vault, how capital can be allocated, how NAV is updated, how risk limits are enforced, and how users redeem.
How it works
A vault creator or curator defines the vault mandate.
VaaS deploys or configures the vault according to accepted assets, capacity, fees, strategy rules, liquidity terms, and investor eligibility.
Users deposit through a City Protocol-powered frontend, partner frontend, or API integration.
The vault security layer checks permissions, limits, approved allocation rules, and product status.
Strategy managers can allocate capital only to whitelisted strategies and approved venues.
NAV updates, proof-of-deployment records, strategy debt, fees, withdrawals, and permission changes are monitored and indexed.
Users redeem through liquid or epoch-based redemption flows depending on the vault design.
The key idea is creator-bound execution: the vault creator defines the mandate, while strategy managers execute only within approved boundaries. This keeps vault operations more controlled, transparent, and auditable.
Vault as a serviceIssuance & Operation Layer
The Issuance & Operation Layer is the product layer for launching and running tokenized financial products onchain.
This layer sits above TaaS and VaaS. TaaS can create tokenized yield products. VaaS can operate the vaults and capital controls behind them. The Issuance & Operation Layer packages those components into investable products with their own methodology, product-level NAV, subscriptions, reporting, rebalancing, fees, status controls, and redemption lifecycle.
How it works
A product issuer or partner defines the product mandate.
The product selects eligible tokenized assets, verified vaults, or approved strategies.
The Issuance & Operation Layer applies product rules such as weighting, rebalancing, fee logic, eligibility, reporting cadence, and lifecycle state.
Product-level NAV, component status, disclosures, and redemption workflows are maintained.
The product becomes ready for distribution through NaaS, partner applications, City Protocol-powered interfaces, or eligible networks.
The key idea is product logic as infrastructure. A partner should be able to launch an ETP-style income product, RWA basket, thematic allocation, multi-vault strategy, or structured yield product without rebuilding the full issuance and operating system from scratch.
Attention Layer: Engineer Virality
The Attention Layer is powered by Attention as a Service (AaaS). It supports distribution, discovery, user participation, and ecosystem growth around products launched through City Protocol.
The key idea is that structured products need go-to-market support as well as technical infrastructure. AaaS makes launch participation, education, visibility, and incentives part of the product lifecycle.
How it works
A project or partner launches a campaign with a target asset, product, vault, or ecosystem narrative.
Users and creators produce content, distribute narratives, and participate in campaign tasks.
Viral City and the Mindshare Layer track contribution, visibility, engagement, and impact.
Leaderboards make project-level and creator-level traction visible.
Rewards can be distributed based on measurable contributions.
The key idea is that financial products need distribution as well as infrastructure. AaaS gives City Protocol and its partners a built-in GTM layer for vault launches, tokenized yield products, ecosystem campaigns, and user education.
AIUGC Layer
AI-powered user-generated content that lowers the barrier to user-driven growth
Mindshare Arena
Information market tracking project mindshare via heatmaps and leaderboards
Reward Hub
UGC incentive platform where users follow, post, and engage to earn token bonuses
Developer Access & Integration
Unified SDK
The @cityprotocol/core package provides a TypeScript SDK that wraps complex multi-step transactions into simple asynchronous functions.
Portfolio Client
Access indexed vault data, user transactions, and historical TVL snapshots through the CityPortfolioClient subgraph interface.
Chain Abstraction Users deposit from any supported EVM network and receive vault shares, while strategy execution occurs on the optimal chain.
Core Features
Modular Architecture Developers pick and choose specific modules, from a simple swap interface to a complex yield-bearing vault with KYC gating.
Attention-Capital Flywheel The only neofinance platform that connects mindshare measurement directly to on-chain capital deployment.
Institutional-Grade Security Independent third-party NAV valuation, MPC/multisig approvals, separation of duties, and immutable on-chain reporting.
Chain Abstraction Unified user experience across L1 and L2 environments without fragmenting liquidity.
AI-Native Payments Integration with OpenClaw enables x402 standard payments, AI sub-accounts, and agent-driven commerce for the $5T projected AI-mediated transaction market.
Transparent Fee Structure All fees encoded directly in smart contracts and visible prior to deposit — eliminating information asymmetry.
Integration Benefits
Revenue Impact
Passive Income Consistent yield generated through management fees, performance fees, and entry/exit fees, distributed automatically as shares at each settlement.
User Growth Higher retention through Viral City's engineered virality and the Reward Module's UGC incentives that convert passive holders into active contributors.
Competitive Edge Market leadership through a complete neofinance stack that would otherwise require individual connections to yield, swap, payment, vault, fiat ramps, lending, and KYC/AML.
Technical Advantages
Performance Asynchronous request-then-settle workflow ensures consistent pricing and reduces operational complexity at scale.
Scalability Built in Solidity, deployed on Base and all EVM-compatible chains with native cross-chain messaging.
Security Separation of duties between Vault Admin, Curator, Valuation Provider, and Whitelist Manager roles, reinforced by independent audits.
Zero Custody Risk City Protocol never takes custody of user funds. Assets are held exclusively in audited smart contracts with explicit risk parameters.
Ready to Get Started?
SDK Documentation
Explore the @cityprotocol/core reference covering vault creation, deposits, cooldowns, and portfolio queries.
Quick Integration
Install via bun add @cityprotocol/core viem and instantiate a CityClient to start interacting with vaults.
Developer Support Join the developer community and get direct support from the City Protocol team.
Ecosystem Access Plug into mature integration partners across six core verticals, from AAVE and Uniswap to Moonpay and Persona, through a single interface.
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