# RAY to USDT: Raydium to Tether (ERC20): no-KYC swap on GhostSwap > Send Raydium (RAY, an SPL token on Solana) and receive Tether (USDT, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into USDT locks in a dollar value without selling on a centralized exchange. Most RAY to USDT swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/ray-usdt20/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Raydium (RAY), SPL token on Solana | | You receive | Tether (USDT), ERC-20 token on Ethereum | | Your USDT address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger | | Deposit network fee | Paid in SOL, so keep a little SOL next to your RAY | | Deposit confirmation | Under a minute on Solana | | USDT payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes | | Typical swap time | 5–15 minutes until your USDT is sent | | Reference rate | 1 RAY ≈ 2.3120 USDT · 1 USDT ≈ 0.432517 RAY (market prices, 11 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; USDT on Etherscan | | Reverse swap | [USDT to RAY](https://ghostswap.io/exchange/usdt20-ray/) | ## How to swap RAY to USDT 1. Open https://ghostswap.io/exchange/ray-usdt20/ and enter the amount of RAY to send. 2. Paste the USDT 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 USDT in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap RAY to USDT on GhostSwap? Most RAY to USDT swaps are paid out within 5–15 minutes: the RAY deposit needs under a minute to confirm on Solana, then the USDT is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. Busy networks can add a few minutes. ### How much is 1 RAY in USDT? 1 RAY is worth about 2.3120 USDT at the market rate, before fees (market prices, 11 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT 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 USDT? No. GhostSwap has no accounts: you paste the Ethereum address that should receive the USDT, send RAY from your own wallet, and the USDT goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Raydium to Tether (ERC20)? The GhostSwap fee is already included in the rate in the exchange box, so the USDT 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 USDT? To receive Tether (ERC20) from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum (ERC-20) network before starting the exchange. Double-check your USDT address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDT address? Use an Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending USDT to an address on another network can lose the coins. ### Can I track my RAY to USDT 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 USDT on Etherscan (https://etherscan.io). ### Is it safe to exchange RAY for USDT on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your RAY deposit is converted and the USDT is sent straight to the Ethereum address you enter, so check that address twice, Ethereum transfers cannot be reversed. ### Why swap RAY to USDT? Converting Raydium to Tether (ERC20) 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 USDT 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: USDT to RAY](https://ghostswap.io/exchange/usdt20-ray/) ([Markdown](https://ghostswap.io/exchange/usdt20-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)