Cities

There are six major cities, one cave for subscribers (everyone is automatically a subscriber), and then a hidden city which you have to pay to get into (Olympus). The following is an overview of the cities including what's in them and what monsters are in and around the city. It is recommended to do Quest 3 to gain the Travel verb which allows instantaneous traveling to each city easily.

Loriel

Loriel is the main city and the first city you are spawned to whenever you first come into the game. It contains a few houses

NPCs Inside City: Loriel Banker, Loriel Trainer, Quest (Quest 5 - Renegade Hobgoblin), Angel (Quest 4), Mister Pastry (Rebirth), Wise Townsmen (to go to Askar), Miss Lorielle (Quests 2.1, 3), Chris Redford, War Veteran (Quests 7, 7.1, 8), 6 Merchants (Armor, Weapon, Shield, Skill, Scroll, and Merchant), and Loriel Guard

NPCs Outside City: Donnie McFlugal (Quest 1), Old Wizard (Quest 10), Professor Geronimo (Buys Colored Slime), Priest of Chaos (PvP), GuildWear Merchant, Singing Roy (Quest 15)

Monsters: Tree Hopper, Slime, Bee, Weak Arachnid, Zombie, Skeleton, Skeleton Wizard, Skeleton King, Demon Fighter, Demon General, Golem, Lava Golem, Flame Beast, Pixie, Lost Soul, Pixie Queen, Harpey, Behemot, Phantom, Felinaus Cub, Felinaus, Young Gnoll, Lesser/Normal/Greater Fire Elemental, Fire Elemental Master, Will-O-Wisp, Minotaur, Minotaur King, Hobgoblin Renegade

Ecaria

One of the more smaller cities in the world of Mystical Destiny, it only contains a few houses, a cave, and some NPCs.

NPCs Inside City: Ecaria Banker, Warrior (Quest 9), Ecaria Trainer, Innkeeper, Professor Einstein (Quest 11), 6 Merchants (Armor, Weapon, Shield, Wand, Scroll, and Merchant), Ecaria Guard

Monsters: Light Chaser, Weak Arachnid, Night Flier, Hobgoblin, Zombie, Skeleton, Slimes, Skeleton Wizard, Troll, Tortoise, Goblin

Arkelena

This town is mainly seen as a House town. It is pretty large and filled with all kinds of houses big and small. 

NPCs Inside City: Ar'Kelena Banker, Ar'Kelena Trainer, Innkeeper, Quest (Quest 6)

NPCs Outside City: Hermit

Monsters: Goblin, Evil Goblin, Wyvern, Skull Clown, Dracovern, Dark Dracovern, Toad King, Toad Warrior, Shadow Men, Orc, Earth/Greater Earth Elemental, Zenith Earth Elemental

Nortikos

Nortikos is a snow covered town that contains a mixture of houses and monsters in and around the town. 

NPCs Inside City: Quest (Quest 13), Priest (Quest 8), Innkeeper, Nortikos Banker, Frightened Eskimo (Quest 12), 5 Merchants (Weapon, Armor, Shield, Merchant, Scroll), Nortikos Guard

NPCs Outside City: Nortikos Archer (Quest 17)

Monsters: Penguin, Greater Ice Elemental, Phantom, Orc Knight, Orc Legionaire, Gnoll, Young Gnoll, Thief, GXF 8724 (Summon for Quest 13), Frozen Dracovern, Lesser Water Elemental, Water Elemental Master, Slime, King Slimeball, Kitty, Boxing Kangaroo, Ocean Goddess, Ogre, Behemot Knight

Rinderoo

Standard city with a mixture of Merchants, houses, and powerful monsters above the city. 

NPCs Inside City: Arena Master, Rinderoo Banker, Rinderoo Trainer, Dark Magician (Quest 16), 7 Merchants (Armor, Weapon, Shield, Skill, Scroll, Merchant, Wand)

Monsters: Earth Goddess, Imp, Lumia

Aptimo

Another standard city with a mixture of Merchants, houses, and a large amount of powerful monsters below the city.

NPCs Inside City: Arena Master, Aptimo Banker, Aptimo Trainer, 7 Merchants (Armor, Weapon, Shield, Skill, Scroll, Merchant, Wand)

Monsters: Siren, Narasimha, Trent Princess, Divine God, Demon Fighter, Demon General, Demon King, Demon Girl, Gnoll Wanderer, Pirate Skeleton, Skeleton Lord, Fire Dracovern, Earth Dracovern, Frozen Dracovern Master

Subscriber Cave

A cave meant for subscribers back when subscribers had to pay to achieve that status and be able to buy houses. It contains a few small houses, some powerful monsters, and all the merchants in the game.

NPCs Inside City: Subscriber Guard, Innkeeper, Subscriber Banker, Subscriber Trainer, 6 Merchants (Armor, Weapon, Skill, Scroll, Merchant, Shield), Quest (Quest 14), Arena Master

Monsters: Arachnid Queen, Fire Goddess, Evil Dracovern, Chaotic Soul