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借用eos的一段注释：
A common misconception in cryptocurrency regarding wallets is that they store tokens. A wallet does not store tokens. What a wallet does is store private keys in an encrypted file and sign transactions.
A user builds a transaction object, usually through an interface, sends that object to the wallet to be signed, the wallet then returns that transaction object with a signature which is then broadcast to the network. When/if the network confirms that the transaction is valid, it is included into a block on the blockchain.
个人理解翻译，不对请谅解
大多数字货币领域的公众都认为钱包就是一个存储token的东西。事实上，钱包并不存储token，而是存储加密的私钥文件以及对交易进行签名。
用户构建了一笔交易，通常会将这笔交易通过接口的形式发送给钱包，让钱包进行签名，再将钱包签过名的交易通过广播的形式发送到（区块链）网络上。
如果网络确认这笔交易是正确的，这笔交易就会被记录到区块链网络中的某个区块中。