# Capital Allocators & Depositors ### **Non-custodial with institutional structure.** Assets stay inside audited smart contracts. No entity, including City Protocol, can unilaterally access or move your funds. You still get the structure you'd expect from traditional finance: async subscription/redemption cycles, NAV-based settlement pricing, and role-based governance separating strategy from valuation from access control. Institutional-grade fund infrastructure without custodial counterparty risk. *** ### **On-chain transparency, not quarterly PDFs.** Every deposit, withdrawal, NAV update, and fee event is recorded on-chain and exportable. Track vault state (total assets, unvested amounts, cooldown durations) and your own position (share balance, cooldown status, claimable assets) at any time through the SDK's read methods. NAV is computed by an independent valuation provider, separate from the strategy manager, mirroring regulated fund administration standards. *** ### **Cooldown mechanics protect everyone.** When enabled, withdrawals go through a vesting period before they can be claimed. This shields the vault and all remaining depositors from sudden liquidity shocks that could force unfavorable unwinds. You can check cooldown status and unlock time anytime via the SDK. Once maturity hits, claiming is a single transaction. The trade-off is explicit and known before you deposit: stability for a predictable wait. *** ### **Chain-agnostic access.** Enter vaults from any supported EVM network. Cross-chain messaging handles routing, and your vault shares represent a claim on unified liquidity regardless of which chain you deposited from. No manual bridging, no fragmented positions, no need for wallets on every network. *** ### **Composable vault shares.** Vault shares are standard ERC-4626 tokens. Hold them, transfer them, use them as collateral in lending markets, layer them into structured products, or compose them with other DeFi primitives. Build portfolio-level strategies on top of City Protocol vaults without liquidating underlying positions. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://city-protocol.gitbook.io/docs/introduction/value-proposition/capital-allocators-and-depositors.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.