# RAY to USDT BEP20: Raydium to Tether (BEP20): no-KYC swap on GhostSwap > Send Raydium (RAY, an SPL token on Solana) and receive Tether (USDT BEP20, a BEP-20 token on BNB Smart Chain) in your own wallet, with no account and no KYC. Swapping into USDT BEP20 locks in a dollar value without selling on a centralized exchange. Most RAY to USDT BEP20 swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/ray-usdtbsc/ Updated: 2026-10-12 ## At a glance | | | |---|---| | You send | Raydium (RAY), SPL token on Solana | | You receive | Tether (USDT BEP20), BEP-20 token on BNB Smart Chain | | Your USDT 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 | | USDT 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 USDT BEP20 is sent | | Reference rate | 1 RAY ≈ 2.2515 USDT BEP20 · 1 USDT BEP20 ≈ 0.444142 RAY (market prices, 12 Oct 2026) | | Limits | Minimum about 14 RAY. 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 BEP20 on BscScan | | Reverse swap | [USDT BEP20 to RAY](https://ghostswap.io/exchange/usdtbsc-ray/) | ## How much USDT BEP20 you get (quoted 12 Oct 2026, 13:34 UTC, after all fees) | You send | You receive | |---|---| | 50 RAY | 110.6637 USDT BEP20 | | 250 RAY | 554.3470 USDT BEP20 | | 1000 RAY | 2,217.20 USDT BEP20 | ## How to swap RAY to USDT BEP20 1. Open https://ghostswap.io/exchange/ray-usdtbsc/ and enter the amount of RAY to send. 2. Paste the USDT 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 USDT BEP20 in your wallet and follow the status page with your swap ID. ## Selling Raydium (RAY) for USDT on BNB Smart Chain RAY is the token of Raydium, an automated market maker and liquidity hub on Solana. This pair sells RAY for Tether on BNB Smart Chain (BEP20). In one swap you leave a Solana DeFi token and hold a dollar stablecoin on an EVM chain, with no account or bridge. RAY is an SPL token, so the deposit confirms on Solana in under a minute and needs a little SOL for the fee. The USDT payout also lands on BNB Smart Chain in under a minute, which makes this a fast cross-chain route. ### Tips - USDT BEP20 is paid to a 0x address. Use a wallet set up for BNB Smart Chain, such as Trust Wallet, MetaMask or Rabby. - Pick USDT BEP20 as the receive coin. The ERC20 and TRC20 versions sit on other networks and have their own entries. - Send RAY from your own Solana wallet and enter that address as the refund address. ### Can I swap RAY to USDT without KYC? Yes. No account, email or ID is needed. Paste your BNB Smart Chain address and send the RAY from your Solana wallet. ### Do I need BNB to receive USDT BEP20? Not to receive it. You will need a little BNB later to send the USDT anywhere on BNB Smart Chain. ## FAQ ### How long does it take to swap RAY to USDT BEP20 on GhostSwap? Most RAY to USDT BEP20 swaps are paid out within 5–15 minutes: the RAY deposit needs under a minute to confirm on Solana, then the USDT 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 USDT BEP20? 1 RAY is worth about 2.2515 USDT BEP20 at the market rate, before fees (market prices, 12 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT BEP20 network fee. The minimum for this pair is about 14 RAY. The rate floats with the market until your RAY deposit confirms, so the exchange box shows the exact amount before you send. ### What are the fees for converting Raydium to Tether (BEP20)? The GhostSwap fee is already included in the rate in the exchange box, so the USDT 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 USDT BEP20? To receive Tether (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 USDT BEP20 address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDT 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 USDT BEP20 to an address on another network can lose the coins. ### Can I track my RAY to USDT 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 USDT BEP20 on BscScan (https://bscscan.com). ### Is it safe to exchange RAY for USDT BEP20 on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your RAY deposit is converted and the USDT 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 USDT BEP20? Converting Raydium to Tether (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 USDT 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: USDT BEP20 to RAY](https://ghostswap.io/exchange/usdtbsc-ray/) ([Markdown](https://ghostswap.io/exchange/usdtbsc-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)