How to Use RIZ v2
Radiant Isolated Zone
RIZ v2 is Radiant's isolated lending infrastructure built on Morpho's contract architecture. Each market consists of exactly two assets: one collateral and one loan asset. These roles are fixed per market and clearly labeled in the UI.
Navigating to Isolated Markets
Access RIZ v2 by clicking Isolated in the top navigation bar.
The market list displays all available isolated pairs in the format Collateral / Loan, alongside:
Deposit % — current APY for supplying the loan asset
Borrow % — current APY for borrowing the loan asset
Available Liquidity — liquidity available to borrow
Utilization Rate — percentage of supplied liquidity currently borrowed
Select a market to open its detail page.
Understanding a Market
Each market detail page shows two assets with distinct roles:
Collateral
Deposited to back a borrow. Cannot be borrowed.
Loan asset
Supplied to earn yield, or borrowed against collateral.
Example: In the syrupUSDC / USDC market:
syrupUSDC → Collateral only
USDC → Loan asset (supply to earn, or borrow against syrupUSDC)
Each market also shows its own Health Factor, Your Supplies, and Your Borrows, all scoped to that specific market. Positions in one RIZ market do not affect another.
Deposit
Click the Deposit tab inside a market.
Use the dropdown to select which asset to deposit:
Collateral asset → to back a future borrow
Loan asset → to earn supply APY
Enter the amount and click Continue to submit the transaction.
If you deposit only the loan asset without collateral, you earn yield but cannot borrow from that market.
Borrow
To borrow, you must first have collateral deposited in the market.
Click the Borrow tab, enter the amount of the loan asset you want to borrow, and click Continue.
Your borrowing capacity is determined by the collateral amount and the market's Max LTV parameter, visible in the Reserve Status & Configuration section at the bottom of the market page.
Borrowing is only possible within the market where your collateral is deposited. Collateral in one RIZ market cannot be used to borrow from another market or from Core.
Health Factor
Each RIZ v2 market has its own isolated health factor.
The health factor reflects:
Borrowing power used — percentage of available credit used
Current LTV — ratio of debt to collateral value
If the health factor drops below 1.0, the position becomes eligible for liquidation.
Withdraw
Click the Withdraw tab to remove supplied assets from a market.
If you have an active borrow, withdrawing collateral will affect your health factor. Repay part or all of your borrow before withdrawing if needed.
Repay
Click the Repay tab to reduce or close an active borrow.
Repaying in full restores full access to your collateral for withdrawal.
Reserve Status & Configuration
At the bottom of each market page, the Reserve Status & Configuration panel shows parameters for each asset in the market.
Toggle between Collateral and Loan asset views to see:
Max LTV
Maximum loan-to-value ratio for borrowing
Liquidation threshold
LTV at which liquidation becomes possible
Liquidation penalty
Fee applied to collateral during liquidation
Collateral usage
Whether the asset can be used as collateral
Coming from RIZ v1?
If you have active positions in RIZ v1 markets, those markets are being phased out. Manual migration is required.
Migrating from RIZ v1Last updated