Glossary

Accredited Investor: A classification under securities regulation (e.g., U.S. SEC rules) for individuals or entities meeting specific income or net-worth thresholds; certain City Neobank vault types may require accredited investor status for access.

Attention Flywheel: The growth loop operated through the Reward Module, where Viral City distributes attention incentives to attract users and KOLs who create content, drive engagement, and convert mindshare into new users and TVL that feeds back into the Capital Flywheel.

AI UGC Layer: Viral City's generative content engine that provides template-driven, intent-based video creation, enabling any user to produce on-brand, platform-native content for on-chain assets without professional tooling.

Auto-Compounding: The default vault behavior in which accrued yield is automatically reinvested into the vault's underlying strategy, maximizing returns without manual intervention.

Campaign: A structured incentive program launched by a project on City Rewards, defining duration, narrative themes, eligibility rules, task steps, and a reward pool distributed to participants based on verified contributions.

Capital Flywheel: The growth loop operated through the Earn Module, where asset originators tokenize yield-bearing RWAs, investors provide TVL, and generated fees and yield sustain ecosystem growth.

Cast: A post published on the Base App (Farcaster); the primary content unit tracked by the Virality Leaderboard for measuring mindshare.

Chain Abstraction: The infrastructure layer that enables users to deposit, swap, and interact across multiple blockchains without managing gas tokens, bridges, or chain-specific interfaces; powers both the Swap and Earn modules.

Circuit Breaker: An on-chain risk parameter within each vault that automatically pauses deposits or withdrawals under adverse conditions, such as abnormal asset performance or market stress.

City ID: A portable, on-chain reputation layer that maps user activity across the City Protocol ecosystem along three dimensions — Conviction, Coordination, and Creation — enabling asset issuers to target investment personas based on verified on-chain behavior.

City Neobank: City Protocol's consumer-facing application layer; a unified platform where users earn stable yield through tokenized RWA and DeFi vaults, swap assets cross-chain, and earn daily rewards through mindshare contribution.

City Protocol: The neofinance infrastructure that brings real-world yield on-chain, making institutional-grade assets accessible to mainstream investors through crypto rails; the parent ecosystem encompassing City Neobank and Viral City.

City Rewards: The reward distribution layer within Viral City that enables projects to launch structured campaigns and distribute token incentives directly to participants based on verified task completion.

Conviction: A City ID dimension that measures capital alignment over time, capturing how users deploy and hold assets weighted by duration and consistency.

Coordination: A City ID dimension that measures community contribution, tracking governance participation, referral activity, organizing efforts, and distribution work.

Creation: A City ID dimension that measures content output and impact, recording the frequency, quality, and reach of a user's content as scored by Viral City's attribution engine.

Creator Leaderboard: The Infomarket ranking of individual creators by cumulative mindshare contribution across the ecosystem, driven by content quality, engagement earned, and network strength.

Delta-Neutral Strategy: A DeFi yield strategy that constructs offsetting long and short positions to generate returns while minimizing directional market exposure; one of the strategy types available through City Neobank's DeFi Vaults.

Dual Flywheel: The self-reinforcing growth mechanism created by the integration of the Capital Flywheel (Earn) and the Attention Flywheel (Reward), where capital funds attention, attention generates signal, and signal attracts more capital.

Earn Module: The core pillar of City Neobank providing access to stable yield through RWA and DeFi Vaults; the primary onboarding point where on-chain capital meets real-world yield.

Gasless: A user experience in which transaction gas fees are abstracted away, so users never need to hold or manage native gas tokens on any chain.

GENIUS Act: The U.S. federal legislation passed in mid-2025 providing the first comprehensive regulatory framework for payment stablecoins; referenced by City Neobank's compliance architecture for jurisdictional alignment.

Individual Contribution Mindshare: A user-level signal on the Virality Leaderboard showing how much a specific creator or distributor contributed to a specific on-chain asset's growth.

Infomarket: The mindshare measurement module of the Virality Leaderboard, comprising Market Map, Top Gainers/Losers, and Creator Leaderboard; tracks real-time attention data for featured projects and creators.

Intent-Based Swap: The swap architecture used by City Neobank in which users express a desired outcome (e.g., "swap 1,000 USDC for SOL") and the protocol identifies the optimal route, executes bridging and swapping operations, and delivers the result.

KYC (Know Your Customer): Identity verification required for access to certain vault types, implemented as part of City Neobank's configurable compliance and access control system.

Market Map: The treemap visualization within Infomarket displaying each project's percentage share of total ecosystem mindshare, with block size, color, sparkline, and rank indicators.

Market-Making Vault: A DeFi yield strategy that generates returns by providing liquidity and capturing bid-ask spreads; one of the strategy types available through City Neobank's DeFi Vaults.

Mindshare: The quantified measure of attention an on-chain asset or creator captures within the City Protocol ecosystem, determined by creator volume, cast volume, engagement depth, content quality, and network strength.

Mindshare %: A project's share of total ecosystem attention as displayed on the Market Map; all featured projects sum to 100%.

Neofinance: The emerging category of consumer finance infrastructure that combines on-chain RWA yield with neobank-grade user experience and crypto-native distribution rails.

Non-Custodial: The vault design principle ensuring users retain ownership of their assets at all times; deposits flow into audited smart contracts, not custodial accounts.

Portfolio Intelligence Agent: An AI-powered agent that continuously scans available vaults and dynamically rebalances allocations based on real-time market conditions and risk parameters to optimize risk-adjusted returns.

Private Credit: Loans and credit instruments originated outside public markets (e.g., enterprise loan portfolios); the primary underlying asset class for City Neobank's RWA Vaults, tokenized and structured for on-chain distribution.

Project Mindshare: A market-level signal on the Virality Leaderboard showing how much attention an on-chain asset captures relative to other assets in the ecosystem.

Proof-of-Contribution: The reward mechanism used by the Reward Module in which incentives are distributed proportionally to the measurable attention and engagement a user generates, rather than through passive airdrops or discretionary payouts.

Reward Module: A core pillar of City Neobank that enables users to earn daily token rewards by creating and distributing content about projects in the ecosystem; operates as both a user retention mechanism and a distribution-as-a-service layer for projects.

Risk Management Layer: The vault component that enforces maximum allocation limits, diversification requirements, oracle-monitored asset performance, and circuit breakers; supported by dedicated risk management partnerships.

RWA (Real-World Asset): A tangible or traditional financial asset — such as private credit, enterprise loans, treasuries, or commodities — that has been tokenized for on-chain distribution and yield generation.

RWA Vault: A City Neobank vault type focused on tokenized real-world asset yield, selected against three criteria: short duration, sustainable yield (10%–20% APY), and three-layer risk mitigation.

SDK & API: The developer interfaces through which institutional clients integrate City Neobank's vault infrastructure into their own exchanges, wallets, or fund platforms to offer tokenized yield products.

Seedless: A user experience in which no seed phrase or private key management is required; users onboard through social logins (Gmail, Apple, X, Telegram) or existing Web3 wallets.

Security Reserve: A dedicated fund established per RWA Vault to absorb potential losses from black swan events driven by broader market or geopolitical uncertainty.

Social Login: Web2-friendly onboarding method enabled by chain abstraction technology, allowing users to access City Neobank through Gmail, Apple, X, Telegram, or other familiar sign-in flows.

Swap Module: A core pillar of City Neobank providing instant cross-chain asset exchange through intent-based routing with gasless execution, supporting networks including Bitcoin, Solana, Ethereum, Base, BNB Chain, and Tron.

Top Gainers / Top Losers: The Infomarket sidebar ranking that surfaces projects with the sharpest positive or negative shifts in mindshare within a selected time window.

Vault Share Token: A tokenized share received upon depositing into a City Neobank vault, representing a proportional claim on the vault's assets and accrued yield; composable as collateral, tradeable, and integrable with other DeFi protocols.

Viral City: City Protocol's attention infrastructure comprising the AI UGC Layer and the Virality Leaderboard; powers content creation, mindshare measurement, and reward distribution across the ecosystem.

Virality Leaderboard: The scoring and settlement system within Viral City that quantifies Project Mindshare and Individual Contribution Mindshare using AI-assisted evaluation and verifiable signals, and distributes rewards based on scored contribution.

Yield Accrual Engine: The vault component that continuously tracks yield from underlying strategies — interest payments from RWA positions or trading returns from DeFi strategies — and auto-compounds by default with an option for periodic payout.