Sorry I should have said, that's our own token that slowly appreciates in value vs USDC. Hence the rate oracle. (Not relevant for this discussion I don't think, but to give you context: the rTBL token is itself is a vault that contains bonds, eg US T-bills that appreciate in value steadily over time).
There are several examples of rate oracles or you could even use erc4626 implementations where this is already being done
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