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Abstract: The Smart City projects are visionary projects implemented by the Governments of respective countries. These projects are capital intensive and requires the stakeholders- the Government, the project promoter and the user or the citizen using the facility. Capital intense projects recover the money involved from the user, that makes him the sole spender for the entire project. This paper suggests the idea to make the user an involver than simple spender. Ideas like smart credit points trading among other users, smart credit points transfer earned by sharing individual resources with the community and utilities or facilities for need sharing or trading with the community can bring down the expenses of a single user and help the community as a whole.