# End Users & Retail Participants ### **Neobank-grade experience, on-chain ownership.** Interact with yield, swaps, payments, and lending through interfaces that feel like the fintech apps you already use. Underneath, everything runs on audited, non-custodial smart contracts. You keep full ownership of your assets while getting the convenience of a modern financial app. *** ### **Earn by participating, not just holding.** Viral City reward campaigns let you earn tokens by completing verifiable tasks: following projects, creating content, growing mindshare. Your attention has measurable value, and the protocol pays you for it. Earnings flow directly into the same ecosystem where you can deposit into vaults, swap tokens, or off-ramp to fiat. *** ### **One wallet, every chain.** Deposit from whichever EVM network you're on. Chain abstraction handles the rest. No bridging, no managing multiple wallets, no guessing which network has the best opportunity. Your vault shares represent unified liquidity across chains. *** ### **Transparent and verifiable everything.** Fees, NAV, vault performance, reward distribution, cooldown timers. It's all on-chain and readable. You don't need to trust a quarterly report or a dashboard that might lag behind reality. --- # 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/end-users-and-retail-participants.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.