> For the complete documentation index, see [llms.txt](https://city-protocol.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://city-protocol.gitbook.io/docs/neofinance-as-a-service/overview/3-pillars-of-neofinance.md).

# 3 Pillars of Neofinance

The City Protocol neofinance infrastructure is built on **three foundational pillars**:

<table data-view="cards"><thead><tr><th></th><th data-hidden data-card-cover data-type="image">Cover image</th></tr></thead><tbody><tr><td><strong>Modularity</strong></td><td><a href="/files/i1HLP5DwCY0rIVkogHNV">/files/i1HLP5DwCY0rIVkogHNV</a></td></tr><tr><td><strong>Non-Custodial Security</strong></td><td><a href="/files/AL23upGBU2cNp55jOjG0">/files/AL23upGBU2cNp55jOjG0</a></td></tr><tr><td><strong>Chain Abstraction</strong></td><td><a href="/files/qhr8ftynuXWn3JxmNeTb">/files/qhr8ftynuXWn3JxmNeTb</a></td></tr></tbody></table>

**Modularity:** Developers can pick and choose the specific modules they need, from a simple swap interface to a complex yield-bearing vault with KYC gating.

**Non-Custodial Security:** All assets remain under the control of smart contracts with explicit, audited risk boundaries. City Protocol never takes custody of user funds.

**Chain Abstraction:** Users interact with a unified interface while the underlying infrastructure routes liquidity, executes strategies, and settles transactions across multiple networks seamlessly.