Will this work without disassembling the drive chain, taking the gears and chain off ?

You will need to remove the rear wheel to degrease the chain first then you degrease the cassette this way you are not blowing all the chain grease on the other parts.

Will this damage matte paint?

Speed won’t damage the paint through incidental contact, though we do recommend avoiding spraying it on the paint directly when possible and wiping it off after it’s applied. Thank you, Finish Line

does this lube the chain? or after i user this, i apply the lube again.

no, this cleans the chain very well, but does not lube it (there is no such product). You'll need to apply lube after cleaning the chain.

I see a couple of reviews warning about potential paint damage. Will the product damage paint?

I've not had that experience, & its made for bicycles so that wouldn't really make much sense. I think its meant for gears & cartridges primarily, I wouldn't be using it to clean the frame. If you're worried about the paint, maybe try it in an inconspicuous place first. I can't imagine it would be an issue with any modern paint, vintage may be another story. Its a truly amazing cleaner, literally the dirt/grease falls off with no scrubbing at all.

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⚡ Clean Fast, Ride Faster: The Degreaser That Keeps You Ahead of the Pack

DISC BRAKE SAFE - Specially formulated to decontaminate without harming sensitive brake surfaces.
NO WATER NO FUSS - Skip the rinse and brush—clean smarter, not harder.
TURBO SPRAYER POWER - Mechanical agitation blasts away grime without scrubbing or rinsing.
LIGHTNING FAST DRYING - Evaporates instantly, leaving zero residue for a spotless finish.
PLASTIC PAINT FRIENDLY - Gentle on your bike’s aesthetics while delivering industrial strength cleaning.

Finish Line Speed Bike Degreaser is an 18-ounce, dry-style cleaner engineered to strip grime down to bare metal and evaporate without residue. Featuring a turbo sprayer for mechanical agitation, it quickly removes contaminants without brushing or rinsing. Safe for disc brakes, paint, and plastics, this chlorine-free, unscented formula is designed for professional-grade bike maintenance with minimal effort.

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€ 51.98

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Product Dimensions	6.99 x 6.99 x 24.77 cm; 453.59 g
Item Weight	454 g
Specific uses	Bike
Item volume	558 Centiliters
Is mould resistant	Chlorine Free
Scent	Unscented
Number of pieces	1
Batteries required	No

Finish LineSpeed Bike Degreaser, 18-Ounce

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