Radiant Capital Re-poster

Yield is not the main focus of DeFi 3.0. It is actually about how you manage loss.

It is helpful to distinguish between the mechanics of variable-rate and fixed-rate lending models. Variable options serve as the current convention within the decentralized finance ecosystem; they are capital efficient and feature interest percentages that fluctuate in response to utilization metrics.

In contrast, fixed-rate lending allows users to secure a specific rate at the very start of the term. This approach ensures stable and predictable returns, making it a superior choice for institutional capital and strategic treasury management. While the industry has successfully optimized variable structures, the development of fixed-rate solutions represents the next major evolutionary step. These capabilities are arriving on the Radiant platform through the introduction of RIZ v2.

Strategy for Transitioning RIZ v1 to v2

We are preparing to launch the asset transfer process very shortly. Included below is a comprehensive explanation of the steps involved.

RIZ needed to overhaul its architecture. Even though v1 proved that there was demand for isolated markets, it was unable to scale properly. The process involved high operational overhead, necessitating 5 contracts per market and taking days to deploy. Consequently, the rebuild required a different infrastructure solution. Here is a technical breakdown regarding our decision to use Morpho contracts 🧵

Since relying on a single contract architecture is not optimal for every lending use case, our solution is to run both simultaneously. This initiative defines Radiant 2026, which features a dual-architecture capital infrastructure. AAVE will be utilized for core blue-chip markets, whereas Morpho will support RIZ v2 isolated markets and fixed-rate products. Please take a moment to read the full plan:

Stay tuned for tomorrow.

We are pleased to announce that the re-election window for the Community Council is officially open. Following the DAO governance standards ratified in Feb 2025, these elections are held on an annual basis. You can access the complete schedule, review position descriptions, and learn about the nomination process at the following link: https://community.radiant.capital/t/annual-community-council-election-2026/2297

RIZ v1 successfully proved that isolated markets work, but it also demonstrated that the architecture does not scale efficiently.

Currently, each market deployment requires 4-5 smart contracts, extensive configuration, and days to weeks of work. Management involves high overhead due to manual parameter tracking and complex liquidity monitoring.

The result is seeing only 4-6 markets per chain, leading to slow listings and high friction.

v2 fixes that. Next week: how.

Here is a technical breakdown of how the Guardian Fund works 🧵

The Guardian Fund is officially live.

GuardianLP (gLP) is up next.

Here is what it does and why it matters 🧵

The election period for the 2026 Annual Community Council is now officially active.

Radiant has successfully reconstructed its security infrastructure and established the Guardian Fund, driving a recovery in TVL from post-incident lows of ~$3M to sustained levels exceeding $15M. The incoming Council will be responsible for guiding the protocol’s execution during its most critical phase of growth.

Council members are tasked with shaping proposals, overseeing implementation, and advocating for community interests. This role demands active stewardship rather than merely symbolic governance.

Nominations are currently open for a 30-day window. We welcome both self-nominations and community endorsements, which will be followed by a structured review process and ratification via Snapshot.

📋 Full details:

Isolated markets are not simply a feature.

They serve as a risk management architecture.

Here is why that matters 🧵

RFP-107 (Phased Remediation for Convenience Class) is now live on Snapshot.

This proposal establishes a 7-tranche remediation schedule and maintains the <$10 dust threshold. Additionally, it implements a 90-day claim window per tranche, ensuring clear handling of unclaimed balances.

🗳️Vote 👉

Starting 2026 with clarity.

Here is where Radiant stands today — detailing what is live, what is being tested, and what is coming next. 🧵

📣 RFP Idea 107 – Phased Remediation (Convenience Class)

We are entering the final round for community feedback prior to initiating an on-chain voting process.

Informed by the responses from Survey 107, here are the key points:
• Implementation of phased, tranche-based remediation
• Maintenance of the original dust threshold of less than $10
• No alterations to eligibility criteria, whether new or retroactive
• A claim window of 90 days will be established for each tranche
• Any unclaimed funds will either roll into subsequent tranches or be returned to the treasury

🗳 An on-chain vote is set to take place in 7 days.

👉 We encourage you to review and provide your feedback:

In 2025, there was a steady level of engagement from the community in Radiant's governance processes.

Through surveys and discussions on forums, we were able to identify key priorities, ranging from strategies for remediation to various topics on the roadmap.

As we move into 2026, maintaining this high level of involvement will be crucial.

Join us in shaping the future of Radiant at

"""
HAPPY NEW YEAR!

The year 2025 presented numerous challenges, testing our assumptions, processes, and the resilience of our community. What truly made a difference was the commitment of individuals to engage, pose difficult questions, and collaborate in defining our future direction.

I extend my heartfelt gratitude to everyone who dedicated their time, shared feedback, provided proposals, and offered their unique perspectives over the past year.

Here’s to a solid beginning in 2026 and a year filled with continued progress ahead 🥂💫
"""

As the year draws to a close, it’s an opportune time to reassess your existing positions.

You can easily evaluate health factors, exposure levels, and the composition of your deposits directly from the dashboard.

This is an ideal moment to analyze, make adjustments, and adapt before moving forward.

Wishing you a delightful final Friday of 2025!

Take a moment to connect with nature 🌿