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# [IP] Changing the Backing of PEBL from AAVE USDC to Savings Dai []() https://forum.reserve.org/t/ip-changing-the-backing-of-pebl-from-aave-usdc-to-savings-dai/828 **Summary:** Enhance the value for PEBL holders by replacing the current AAVE USDC backing with Savings Dai (sDai), which provides yield through decentralized finance (DeFi) protocols
# Replace Aave USC V3 with Savings Dai []() The success of a Rtoken is highly dependent on ease of use and readily liquid collareral. At this time I belive savings Dai is a better collateral asset for Pebble than USDC on Aave.
PEBL is a reliable, permissionless, yield-bearing store of value backed by long-running crypto assets. Governance focuses on investing in assets that provide market-like returns, ensuring yield and asset appreciation at redemption.