# RAY to USDC BEP20: Raydium to USD Coin (BEP20): no-KYC swap on GhostSwap > Send Raydium (RAY, an SPL token on Solana) and receive USD Coin (USDC BEP20, a BEP-20 token on BNB Smart Chain) in your own wallet, with no account and no KYC. Swapping into USDC BEP20 locks in a dollar value without selling on a centralized exchange. Most RAY to USDC BEP20 swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/ray-usdcbsc/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Raydium (RAY), SPL token on Solana | | You receive | USD Coin (USDC BEP20), BEP-20 token on BNB Smart Chain | | Your USDC BEP20 address | BNB Smart Chain address that starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Wallets: Trust Wallet, MetaMask or Rabby | | Deposit network fee | Paid in SOL, so keep a little SOL next to your RAY | | Deposit confirmation | Under a minute on Solana | | USDC BEP20 payout | Sent to your address as soon as the swap completes; BNB Smart Chain confirms it in under a minute | | Typical swap time | 5–15 minutes until your USDC BEP20 is sent | | Reference rate | 1 RAY ≈ 2.4809 USDC BEP20 · 1 USDC BEP20 ≈ 0.403080 RAY (market prices, 8 Oct 2026) | | Limits | The exact minimum and maximum RAY amounts are shown live in the exchange box | | Account / KYC | None for standard swaps: no sign-up, no email, no ID | | Tracking | Status page with your swap ID; RAY on Solscan; USDC BEP20 on BscScan | | Reverse swap | [USDC BEP20 to RAY](https://ghostswap.io/exchange/usdcbsc-ray/) | ## How to swap RAY to USDC BEP20 1. Open https://ghostswap.io/exchange/ray-usdcbsc/ and enter the amount of RAY to send. 2. Paste the USDC BEP20 address that should receive the coins. 3. Enter the RAY address you are sending from, then confirm. 4. Send the RAY to the one-time deposit address shown. 5. Receive USDC BEP20 in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap RAY to USDC BEP20 on GhostSwap? Most RAY to USDC BEP20 swaps are paid out within 5–15 minutes: the RAY deposit needs under a minute to confirm on Solana, then the USDC BEP20 is sent to your wallet, and BNB Smart Chain confirms the payout in under a minute. Busy networks can add a few minutes. ### How much is 1 RAY in USDC BEP20? 1 RAY is worth about 2.4809 USDC BEP20 at the market rate, before fees (market prices, 8 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDC BEP20 network fee. The rate floats with the market until your RAY deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange RAY to USDC BEP20? No. GhostSwap has no accounts: you paste the BNB Smart Chain address that should receive the USDC BEP20, send RAY from your own wallet, and the USDC BEP20 goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Raydium to USD Coin (BEP20)? The GhostSwap fee is already included in the rate in the exchange box, so the USDC BEP20 amount you see is what you receive. On top of that, your wallet needs a little SOL to pay the Solana network fee for sending RAY. ### What wallet should I use to receive USDC BEP20? To receive USD Coin (BEP20) from your swap, we recommend using Trust Wallet, MetaMask or Rabby. Make sure your wallet supports the BNB Smart Chain (BEP-20) network before starting the exchange. Double-check your USDC BEP20 address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDC BEP20 address? Use a BNB Smart Chain address: it starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Copy it from your wallet and paste it; never type it by hand. Sending USDC BEP20 to an address on another network can lose the coins. ### Can I track my RAY to USDC BEP20 swap? Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your RAY payment on Solscan (https://solscan.io) and your incoming USDC BEP20 on BscScan (https://bscscan.com). ### Is it safe to exchange RAY for USDC BEP20 on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your RAY deposit is converted and the USDC BEP20 is sent straight to the BNB Smart Chain address you enter, so check that address twice, BNB Smart Chain transfers cannot be reversed. ### Why swap RAY to USDC BEP20? Converting Raydium to USD Coin (BEP20) moves the value into a dollar-pegged stablecoin in your own wallet, without using a centralized exchange or going through KYC. ### What happens if my RAY to USDC BEP20 exchange fails? If a swap cannot be completed, the RAY is refunded to the Solana address you entered as the sender address. If something looks stuck, contact support with your swap ID from the status page. Most problems come from sending a different amount than shown or using an address on the wrong network. ## Related - [Reverse: USDC BEP20 to RAY](https://ghostswap.io/exchange/usdcbsc-ray/) ([Markdown](https://ghostswap.io/exchange/usdcbsc-ray.md)) - [All GhostSwap pairs](https://ghostswap.io/exchange/) - [How to exchange](https://ghostswap.io/how-to-exchange/) - [Site guide for AI assistants](https://ghostswap.io/llms.txt)