Last Updated: March 2026
Radiant Capital is a cross-chain lending protocol that aims to unify DeFi lending across all chains. Deposit on one chain, borrow on another — using LayerZero for cross-chain messaging.
History
Launched in 2022 on Arbitrum. Expanded to BNB Chain and other networks. Radiant V2 introduced the “Dynamic Liquidity” model requiring RDNT emissions lockers to provide real liquidity. In October 2024, Radiant suffered a $50M exploit through compromised private keys — a significant security incident. See security guide and L2 guide.
How It Works
- Cross-chain lending: Deposit ETH on Arbitrum, borrow USDC on BNB Chain
- LayerZero: Uses LayerZero for cross-chain messaging. See bridge guide
- dLP (Dynamic Liquidity): Lock RDNT + ETH LP tokens to qualify for emissions
See Aave and lending platforms.
Tokenomics
RDNT: 1B total supply. dLP requirement: Must lock RDNT/ETH liquidity to earn full emissions (reduces sell pressure). See tokenomics.
Pros and Cons
- Pro: Cross-chain lending is a compelling vision (borrow anywhere from any deposit)
- Pro: dLP model reduces mercenary farming
- Con: $50M exploit in 2024 — significant security failure
- Con: Cross-chain complexity adds risk layers
- Con: Much smaller than Aave — less liquidity and battle-testing
Frequently Asked Questions
Is Radiant Capital safe to use?
Radiant Capital has been audited but all DeFi carries smart contract risk. Use established protocols and start with small amounts.
Is Radiant Capital a good investment?
Evaluate based on real revenue, TVL growth, and token utility. Best as a small DeFi allocation alongside BTC and ETH.
How do I use Radiant Capital?
Connect a Web3 wallet (MetaMask or Phantom) to the protocol’s website. Start with small amounts to learn the mechanics.
