GPT (Grace Period Token) is a token used to delay the settlement of mortgage assets. It can also be mined by using EFG mortgages that comply with the ECRC-20 standard. GPT is designed through the ECRC-20 standard smart contract and provides a total of 10,000 tokens. GPT provides the need for contract clearing extension because it can be used to increase the grace period for margin call notifications. It has become the main factor in the protection of investors' risk extension benefits in EFG's lending behavior.