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Memo 0xeca8e39d…05cbbe on Ethereum

# [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