Radiant Capital Review: Should You Use It in 2026?

Radiant Capital was designed as a decentralized money market: you could deposit supported crypto assets to earn interest, or supply collateral to borrow. Its cross-chain pitch was that users could lend on one blockchain and borrow on another. The homepage lists eight Ethereum assets, including USDC, USDT, sDAI, ETH, wstETH and rETH, and describes Arbitrum and BNB Chain as supported networks. It also presents RDNT lockers and liquidity providers as eligible for protocol-fee revenue and emissions.

That describes the product’s intended model, not a guarantee that markets are operating now. The homepage currently displays a total market size of $0 and 0% for the listed APR figures. A June 2026 report says Radiant shut down, so do not assume the app can still accept deposits or process borrows. Check current governance announcements and the status of the specific market before interacting.

Radiant does not publish fee amounts in the information available here. For a lending protocol, your costs can include blockchain gas, interest on borrowed assets and any protocol or cross-chain charges shown when you use a market. Rates can vary with the asset and market conditions, so an advertised or displayed APR should not be treated as fixed.

The homepage describes platform fees from interest and flash loans being paid to RDNT lockers, and says rewards can be paid in blue-chip assets. That does not tell you what a lender or borrower pays, what share reaches lockers, or whether those rewards are currently available. The site’s displayed 0% APR and $0 market size are not a reliable basis for estimating future earnings or borrowing costs. If the app appears active, inspect the transaction and market details before approving anything; do not rely on old rate displays or token-reward claims.

There is a serious reason to be cautious. A June 2026 report says Radiant shut down after failing to recover from a $53 million exploit in October 2024. This is a reported account, but it raises a direct concern about depositing assets into any contracts associated with the protocol. The homepage currently shows a $0 market size, which also gives you no evidence that lending markets remain active.

Radiant’s homepage says it was audited by multiple security firms, names BlockSec, and points to an Immunefi bug bounty. It does not provide audit details in the information here, and those claims do not establish that every current contract is safe or that funds affected by an exploit were recovered. No licence information is published. Treat the exploit report and uncertain operating status as reasons not to deposit unless you can verify current contract addresses, security status and withdrawal functionality through official, up-to-date channels.

The expected entry point was Radiant’s app, where users would connect a compatible wallet and choose a supported market. Using a DeFi lending app normally requires you to pay network gas and approve token access; cross-chain activity can involve additional transactions. Verify the chain and contract address yourself before signing. A wallet connection alone does not make a protocol safe, and a token approval can give a contract permission to move assets within the approval’s scope.

Radiant’s homepage provides a launch-app option and links to documentation and governance, but the current availability of the app, markets and withdrawals is unclear. It does not establish current mobile support, transaction speed, deposit limits or withdrawal limits. Do not bridge assets or approve tokens just to test whether the app works. First check whether the protocol is officially operating, whether the relevant market is active, and whether other users can withdraw successfully.

Radiant’s main drawback is that its present status and safety are not clear enough for a normal deposit decision. The site’s zero market-size figure conflicts with the idea of an active lending market, while a June 2026 report says the protocol shut down after a major exploit. The homepage still presents product and reward information, but that does not prove deposits, borrowing or withdrawals work today.

Important details are also missing: fee amounts, current contract status, audit reports, licence information and reliable operating or withdrawal limits. RDNT rewards are not a substitute for those checks, especially when the displayed APR is 0%. If you are comparing lending apps, prefer one that clearly publishes active markets, current contracts, fees, security assessments and withdrawal procedures. Radiant may still be relevant for research or governance tracking, but it is not a sensible place to put funds until its status is independently confirmed.