Benchmark is an on-chain income aggregator that can isolate the underlying assets from income, so that token holders can sell their income rights within a fixed period of time, thereby locking in profits and obtaining funds in a timely manner, while the purchase of income rights Investors do not have to purchase and mortgage underlying assets, nor do they have to worry about the risks of mortgage and liquidation. This will allow for price discovery in the interest rate market where lenders and liquidity providers can lock in rates when rates are high and borrowers can hedge rates when rates are low.