# Radial Protocol

> Radial is a blockchain protocol democratizing access to the world's best institutional strategies. It brings modern portfolio theory onchain by composing treasuries, structured credit, hedge funds, and other institutional strategies into permissionless reward-bearing tokens. Radial is purpose-built for the rigors of onchain finance with durable rewards, deep liquidity, and collateral designed not to degrade when you need it most.

Radial is pre-launch. radUSD and radYC launch in Q4 2026. radRWA and RDX, the governance token, follow in H1 2027. Timelines are tentative and subject to finalization. Radial is not available to persons in the United States or other restricted jurisdictions.

Important: everything described here is a design that is indicative and subject to change. Asset mechanics, strategies, return profiles, fees, security controls, partners and dates are design objectives at the time of writing, not commitments. Rewards are discretionary, may be zero and are never promised or guaranteed. radUSD is designed to track the US Dollar; redemption at par is not guaranteed and its market price may deviate. All redemptions, irrespective of asset, are subject to applicable cooldown periods. Nothing in this file is investment, legal or tax advice, or an offer or solicitation. See the risk disclosure below and the Terms of Service.

Terminology: Radial assets earn "rewards", not "yield" or "interest". radUSD is a synthetic dollar, not a payment stablecoin. Radial is a protocol, not a fund. Token holders are "stakers" or "users", not investors. The symbol is the Radial Aperture Logo.

## Assets

- [radUSD](https://www.radial.fi/#products): Base synthetic dollar designed to track the US Dollar. Pays no reward by itself; staking routes it into reward-bearing Radial assets. Redeemable at any time; all redemptions, irrespective of asset, are subject to applicable cooldown periods. Redemption at par is not guaranteed. Launches with radYC, Q4 2026.
- [radYC](https://www.radial.fi/#products): Reward-bearing asset for permissionless U.S. Treasury exposure (indicative return profile around the US T-bill rate). Redeems for radUSD at the vault exchange rate, subject to applicable cooldown periods. Launches with radUSD, Q4 2026.
- [radRWA](https://www.radial.fi/#products): Diversified bluechip RWA asset (Treasuries, credit, ETFs and structured credit with a return-stacked overlay; indicative SOFR + 300 to 400 bps, subject to change). Planned H1 2027.
- [RDX](https://www.radial.fi/#products): Governance token. Holders steer protocol parameters, fees and the risk framework, with a disclosed share of protocol revenue routed to buyback and burn. Planned TGE 2027; design subject to change.

## Protocol

- [Home](https://www.radial.fi/): Positioning, asset pipeline, security stack, design philosophy, FAQ.
- [Trust Center](https://www.radial.fi/#trust): Verified backing, institutional custody (Fordefi MPC), offchain execution via regulated brokerage, settlement on Arc, Midas vault infrastructure (10+ independent audits, $500M+ TVL secured, as reported by Midas, Q1 2026).
- [FAQ](https://www.radial.fi/#faq): What Radial is, how radUSD works, exits, collateral use, fees, security, governance token, launch timing.

## Security and transparency

Verified backing. Institutional custody. Nothing taken on faith. Every reward source sits offchain and every position is attestable. Defense in depth, institutional-grade across the full stack (from the settlement layer up):

- 00 The Arc blockchain (settlement): Arc, Circle's purpose-built Layer-1 for stablecoin finance, engineered for regulated institutional capital. Security that compounds: sub-second deterministic finality, institutional validators, post-quantum from genesis.
- 01 Vault infrastructure (Midas): all vault infrastructure and smart contracts are managed by Midas, Radial's strategic operating partner. Midas vaults, battle tested: 10+ independent audits, $500M+ TVL secured (as reported by Midas, Q1 2026). Midas security documentation: https://docs.midas.app/security/operational-security
- 02 Custody (Fordefi): onchain funds held in Fordefi MPC custody: no single key, no single point of failure.
- 03 Offchain execution (regulated brokerage): allocations deployed via a regulated brokerage: capital works offchain, uncorrelated to crypto, outside the DeFi honeypot.
- 04 Verification (attestations): backing and composition verified via a transparency dashboard and third-party attestations (dashboard at launch).
- 05 Protocol controls (Radial): rate-limited mints and redemptions, cooldown periods on every redemption, allocation caps on every sleeve.

Vault metrics as reported by Midas, Q1 2026. Cooldown, rate limits, caps and every other control described here are indicative and subject to change. Arc capabilities reflect published Arc materials; deployment plans are indicative and subject to change. See [Trust Center](https://www.radial.fi/#trust).

## Team and partners

The best of crypto and legacy finance. Radial's core contributors are drawn from the most successful names in crypto and institutional finance, with prior experience at firms including Amber, Axelar, Binance, Goldman Sachs, Lista DAO, R3 and Zcash. Company names reflect prior team experience only and imply no affiliation, endorsement or sponsorship. Radial does not name individual contributors publicly.

Radial is built in partnership with Circle (USYC and USDC), Arc (settlement Layer-1, developed by Circle), Midas (vault infrastructure and operations) and Common Prefix (app and contracts). Onchain custody is provided by Fordefi. Partner arrangements are indicative and subject to change.

## Learn

- [Learn hub](https://www.radial.fi/learn): The fundamentals of Radial and modern portfolio theory.
- [Why diversification works: Harry Markowitz and modern portfolio theory](https://www.radial.fi/learn/markowitz-modern-portfolio-theory): Markowitz turned diversification from common sense into a framework: an asset is judged by how it behaves alongside everything else you own.
- [Diversification only works if the assets behave differently](https://www.radial.fi/learn/diversification-and-correlation): Owning more assets does not make a portfolio more diversified if they all respond to the same risks. What to look at instead.
- [Return stacking: how one dollar can earn more than one return](https://www.radial.fi/learn/return-stacking-explained): Using the same capital as collateral for more than one exposure improves capital efficiency. It also adds risk. Both parts matter.
- [Why Treasury bills are the baseline for dollar returns](https://www.radial.fi/learn/the-t-bill-benchmark): Short-term Treasury bills are the baseline for dollar returns. The gap between a yield and that baseline is compensation for something.
- [How a yield-bearing dollar holds up under stress](https://www.radial.fi/learn/durability-designing-for-the-worst-day): Liquidity, collateral, counterparties, leverage, valuation and redemption: six questions to ask before the market gets less forgiving.

## Brand

- [Brand kit](https://www.radial.fi/brand): Media kit and visual identity guidelines. Logo files, colour, typography, token icons, usage rules, boilerplate.
- Press: press@radial.fi
- X: https://x.com/radialprotocol
- LinkedIn: https://www.linkedin.com/company/radialprotocol

## Legal

- [Terms of Service](https://www.radial.fi/legal/terms-of-service)
- [Privacy Policy](https://www.radial.fi/legal/privacy-policy)
- Risk disclosure: radUSD is a synthetic dollar designed to track the US Dollar, not a payment stablecoin; redemption at par is not guaranteed and its market price may deviate. radYC and radRWA are reward-bearing tokens that redeem for radUSD at the vault exchange rate. Rewards are discretionary, may be zero and are never promised or guaranteed; in severe or sustained loss scenarios redemption value can be impaired. Target rewards and APYs shown on this site are indicative design objectives, not promises, projections or guarantees. No Radial token confers a proportionate interest in any pool of assets, a claim on net asset value or governance over capital deployment. Not available to persons in the United States or other restricted jurisdictions. Digital assets involve significant risk, including total loss of capital.

## Disclaimer

All product designs, mechanics, return profiles, fees, timelines and partner arrangements described on radial.fi and in this file are indicative and subject to change without notice. Figures attributed to third parties (for example Midas vault metrics) are as reported by those parties at the stated date. Radial makes no representation that any described feature will launch as described. Not available to persons in the United States or other restricted jurisdictions. Digital assets involve significant risk, including total loss of capital.

## Optional

- [llms-full.txt](https://framerusercontent.com/assets/IvbsFCV9AoqisHYVFET9dyfXo8.txt): Full text of every page above in one file.