What is Radiant Capital (RDNT) Crypto Coin? A Clear Guide to the Omnichain DeFi Token

• by Eamon Ledgerwood
• Nov 23, 2025
• 0 Comments

What is Radiant Capital (RDNT) Crypto Coin? A Clear Guide to the Omnichain DeFi Token

Most crypto coins live on one blockchain. You deposit ETH on Ethereum, borrow USDC on Polygon, and bridge assets between chains using clunky tools that cost time and money. But what if you could deposit ETH on Arbitrum and instantly borrow USDT on BNB Chain - all from one screen, with no bridges? That’s the core idea behind Radiant Capital and its token, RDNT.

What Exactly Is Radiant Capital?

Radiant Capital isn’t just another DeFi lending platform. It’s a cross-chain lending protocol built to fix one of DeFi’s biggest headaches: fragmented liquidity. Instead of having separate lending pools on Ethereum, Arbitrum, BNB Chain, and others, Radiant connects them all. You can deposit any supported asset on any chain and borrow any other supported asset on any other chain - no wrapping, no bridging, no manual swaps.

The protocol runs on LayerZero, a cross-chain messaging system that lets blockchains talk to each other securely. It also uses Stargate’s stablecoin router to move value efficiently. This means when you lend on Arbitrum, your funds can be used to power a borrow on BNB Chain, and vice versa. Liquidity isn’t locked in silos anymore - it flows where it’s needed.

The whole thing is governed by the RDNT token. Holders vote on upgrades, fee structures, and new asset listings. It’s not just a reward token - it’s the backbone of the system.

How Does RDNT Work?

RDNT has two main jobs: governance and incentives.

First, governance. If you hold RDNT, you can propose or vote on changes to the protocol. Want to add SOL as a collateral asset? Or change the interest rate model? You need RDNT to make it happen. The more you lock up, the more voting power you have.

Second, incentives. Radiant pays out RDNT rewards to three groups:

• Lenders who deposit assets
• Borrowers who take out loans
• Liquidity providers who stake RDNT paired with WETH in pools

This is different from Aave or Compound, where only lenders get rewards. Radiant rewards borrowers too - because they need users on both sides of the loan to make the system work. It’s a smart way to bootstrap liquidity.

The total supply of RDNT is 1.5 billion tokens. As of late 2023, about 1.31 billion are in circulation, held by over 350,000 unique wallets. That’s a lot of people already using it.

What Assets Can You Use on Radiant Capital?

Right now, Radiant supports eight major assets across Ethereum, Arbitrum, and BNB Chain:

• USDC
• USDT
• sDAI
• ETH
• wstETH
• rETH
• ARB
• BNB

You can deposit any of these on any chain and borrow any other asset on any other chain. For example:

• Deposit ETH on Arbitrum → Borrow USDC on BNB Chain
• Deposit USDT on BNB Chain → Borrow wstETH on Ethereum

The platform uses Dynamic Liquidity Providers (dLP) to manage how funds move between chains. This system automatically adjusts liquidity based on demand, so you don’t end up with idle funds stuck on one chain while others are starved.

How Is Radiant Different From Aave or Compound?

Aave and Compound are the giants of DeFi lending. They’re safe, well-audited, and have billions locked in. But they’re single-chain. If you’re on Ethereum, you can’t directly borrow from a pool on Polygon without bridging first - and bridging means extra steps, higher fees, and more risk.

Radiant cuts out the middleman. You don’t need to bridge. You don’t need to wrap assets. You just pick your deposit chain and your borrow chain, and the protocol handles the rest.

Here’s a quick comparison:

Radiant isn’t bigger - yet. But it’s solving a real problem that bigger platforms haven’t fixed: true cross-chain lending.

Is RDNT a Good Investment?

As of November 2023, RDNT trades around $0.011. Its market cap sits at $15.8 million, making it a small-cap crypto. That means high volatility - and high risk.

Some analysts predict RDNT could hit $0.15 by 2030 and even $18 by 2050. Those are long-term, speculative guesses. They assume Radiant becomes the dominant cross-chain lending protocol - a big “if.”

Right now, RDNT’s value comes from its utility. If you use the platform, you earn RDNT. If you hold it, you can vote. If you stake it, you earn more. It’s not a pure speculation play like some memecoins. It’s tied to actual usage.

But here’s the catch: Radiant still has a lot to prove. Its TVL is tiny compared to Aave. Liquidity for some asset pairs is thin. And if Ethereum-based DeFi keeps growing, will users really switch?

The backing from Binance Labs and the Arbitrum Foundation helps. So do the audits from Blocksec. But adoption is the real test.

How to Get Started With Radiant Capital

You don’t need to be a crypto expert, but you should know the basics: wallets, gas fees, collateralization.

Here’s how to start:

1. Get a Web3 wallet like MetaMask or Coinbase Wallet.
2. Buy some ETH, USDC, or USDT on a centralized exchange like Binance or Kraken.
3. Send those assets to your wallet on Arbitrum, BNB Chain, or Ethereum.
4. Go to radiant.capital and connect your wallet.
5. Choose an asset to deposit. Pick the chain you want to deposit on.
6. Select what you want to borrow and on which chain.
7. Confirm the transaction. You’re now lending and borrowing cross-chain.

If you want to earn more RDNT, you can join the Dynamic Liquidity Provider (dLP) program. This means you lock your RDNT and WETH together in a pool. You earn rewards from both lending and borrowing activity.

What Are the Risks?

Radiant isn’t risk-free. Here’s what to watch for:

• Liquidity gaps: Some asset pairs have low depth. You might get worse rates than on Aave.
• Slippage: Cross-chain swaps can have price changes during execution, especially with large amounts.
• Smart contract risk: Even with audits, new protocols can have hidden bugs. LayerZero has had issues before.
• Regulation: If governments crack down on DeFi governance tokens, RDNT could be targeted.
• Competition: Stargate Finance and other cross-chain projects are catching up.

Users report mixed experiences. Some love the simplicity. Others complain about confusing interface elements and high gas fees on Ethereum.

Who Is Radiant Capital For?

Radiant is perfect for:

• DeFi users who move between chains regularly
• Traders who want to arbitrage interest rates across networks
• Investors who believe cross-chain DeFi is the future

It’s not for:

• Beginners who don’t understand collateral ratios
• People who want the highest APY on a single chain
• Those who avoid new protocols with low TVL

If you’re already active in DeFi and tired of bridging, Radiant is worth a look. It’s not the safest option - but it might be the most efficient.

What’s Next for Radiant Capital?

The team is working on:

• Adding more chains - Solana and Base are rumored
• Enabling DAO voting with locked RDNT
• Integrating with more DeFi protocols for yield stacking
• Improving the user interface to reduce confusion

The community is growing fast. Discord has over 45,000 members. Telegram has 28,000. And the Reddit r/DeFi community regularly shares success stories about earning 0% APR loops using ETH.

The real question isn’t whether Radiant works - it does. The question is whether enough people will use it to make it the default cross-chain lending platform.

If you’re curious about cross-chain DeFi, Radiant Capital is one of the most interesting experiments right now. It’s not perfect. It’s not the biggest. But it’s trying to solve a problem most people ignore - and that might be exactly what the next phase of DeFi needs.