# USDC BEP20 to RAY: USD Coin (BEP20) to Raydium: no-KYC swap on GhostSwap > Send USD Coin (USDC BEP20, a BEP-20 token on BNB Smart Chain) and receive Raydium (RAY, an SPL token on Solana) in your own wallet, with no account and no KYC. It turns a dollar balance into Raydium in one step. Most USDC BEP20 to RAY swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/usdcbsc-ray/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | USD Coin (USDC BEP20), BEP-20 token on BNB Smart Chain | | You receive | Raydium (RAY), SPL token on Solana | | Your RAY address | Solana address that is 32–44 letters and numbers with no 0x prefix. Wallets: Phantom, Solflare or a Ledger | | Deposit network fee | Paid in BNB, so keep a little BNB next to your USDC BEP20 | | Deposit confirmation | Under a minute on BNB Smart Chain | | RAY payout | Sent to your address as soon as the swap completes; Solana confirms it in under a minute | | Typical swap time | 5–15 minutes until your RAY is sent | | Reference rate | 1 USDC BEP20 ≈ 0.425401 RAY · 1 RAY ≈ 2.3507 USDC BEP20 (market prices, 10 Oct 2026) | | Limits | The exact minimum and maximum USDC BEP20 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; USDC BEP20 on BscScan; RAY on Solscan | | Reverse swap | [RAY to USDC BEP20](https://ghostswap.io/exchange/ray-usdcbsc/) | ## How to swap USDC BEP20 to RAY 1. Open https://ghostswap.io/exchange/usdcbsc-ray/ and enter the amount of USDC BEP20 to send. 2. Paste the RAY address that should receive the coins. 3. Enter the USDC BEP20 address you are sending from, then confirm. 4. Send the USDC BEP20 to the one-time deposit address shown. 5. Receive RAY in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap USDC BEP20 to RAY on GhostSwap? Most USDC BEP20 to RAY swaps are paid out within 5–15 minutes: the USDC BEP20 deposit needs under a minute to confirm on BNB Smart Chain, then the RAY is sent to your wallet, and Solana confirms the payout in under a minute. Busy networks can add a few minutes. ### How much is 1 USDC BEP20 in RAY? 1 USDC BEP20 is worth about 0.425401 RAY at the market rate, before fees (market prices, 10 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the RAY network fee. The rate floats with the market until your USDC BEP20 deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange USDC BEP20 to RAY? No. GhostSwap has no accounts: you paste the Solana address that should receive the RAY, send USDC BEP20 from your own wallet, and the RAY goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting USD Coin (BEP20) to Raydium? The GhostSwap fee is already included in the rate in the exchange box, so the RAY amount you see is what you receive. On top of that, your wallet needs a little BNB to pay the BNB Smart Chain network fee for sending USDC BEP20. ### What wallet should I use to receive RAY? To receive Raydium from your swap, we recommend using Phantom, Solflare or a Ledger. Make sure your wallet supports the Solana (SPL token) network before starting the exchange. Double-check your RAY address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the RAY address? Use a Solana address: it is 32–44 letters and numbers with no 0x prefix. Copy it from your wallet and paste it; never type it by hand. Sending RAY to an address on another network can lose the coins. ### Can I track my USDC BEP20 to RAY 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 USDC BEP20 payment on BscScan (https://bscscan.com) and your incoming RAY on Solscan (https://solscan.io). ### Is it safe to exchange USDC BEP20 for RAY on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your USDC BEP20 deposit is converted and the RAY is sent straight to the Solana address you enter, so check that address twice, Solana transfers cannot be reversed. ### Why swap USDC BEP20 to RAY? Converting USD Coin (BEP20) to Raydium moves dollar-pegged funds into Raydium. Raydium is used for fees and rewards on the Raydium DEX on Solana. Unlike a stablecoin, its price moves with the market. GhostSwap needs no account on a centralized exchange and no KYC. ### What happens if my USDC BEP20 to RAY exchange fails? If a swap cannot be completed, the USDC BEP20 is refunded to the BNB Smart Chain 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: RAY to USDC BEP20](https://ghostswap.io/exchange/ray-usdcbsc/) ([Markdown](https://ghostswap.io/exchange/ray-usdcbsc.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)