Quote Originally Posted by BigRed5392 View Post
We just see the city, not the assets, the npc, players in it. Just the building, it is a type of 3d painting. Much like older games
Except you can see players on the other side in certain cases. Noticed it when I was swimming up to the entrance where a quest npc was located right next to it and saw a group of players standing on the inside.

Also, from underwater I've seen players swimming on the surface if I'm closer to the surface myself.

Based on that experience, it does appear to be a case where the other side isn't loading certain details rather than entirely separate zones.