Welcome to City Protocol
Open infrastructure for Neofinance, Powered by Tokenization & Vault
City Protocol is an open infrastructure for neofinance, powered by tokenization, vaults, and modular financial services.
Our vision is to empower global access to high-quality yield assets and full-stack neofinance services onchain.
Financial products are moving onto crypto rails, but the infrastructure for launching them is still fragmented.
Yield providers need tokenization, NAV reporting, investor controls, verification, and distribution.
Vault operators need secure contracts, accounting, monitoring, governance, and redemption logic.
Consumer apps, exchanges, wallets, and protocols need Neofinance modules such as yield vaults, swaps, payments, cards, on/off-ramps, KYC/AML, and lending without integrating every provider one by one.
City Protocol brings these layers together into one stack:
Tokenization as a Service (TaaS) turns yield sources into programmable, verifiable, distribution-ready onchain products.
Vault as a Service (VaaS) provides the operating layer for secure deposits, NAV-driven accounting, strategy allocation, proof of deployment, and redemption.
Neofinance as a Service (NaaS) lets platforms and developers embed neofinance functions such as vaults, yield, swaps, on/off-ramps, KYC/AML, payments, lending, and agentic payment flows.
The result is a one-stop infrastructure layer for yield asset tokenization and neofinance implementation. Asset managers can bring institutional strategies onchain. Curators can launch verified vaults with clear controls. Platforms can add financial products through APIs and SDKs. Users can access yield, swap, spend, and participate through simplified interfaces.
City Protocol is building the rails for the next phase of onchain finance: not only a place where users hold assets, but an infrastructure layer where high-quality yield products can be created, verified, distributed, and used globally.
Why City Protocol
Non-Custodial Retain full control over assets through smart contracts with audited risk boundaries
Institutional-Grade Standardized smart contract framework with transparent reporting
Fully Modular Covers modules across Vault, Yield, Swap, Payment, Lending, and KYC/AML
Easy Integration Works with apps, Web3 projects, and trading platforms via unified SDK/API
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 serviceAttention Layer: Engineer Virality
The Attention Layer is powered by Attention as a Service (AaaS).
This layer supports distribution, discovery, user participation, and ecosystem growth. It helps products launched through City Protocol reach users more efficiently by making attention measurable and incentive-driven.
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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