“Banks are trying to keep up with the trend and build a up-to-date digital front end, but just like painting lips for a pig, it’s still a pig, and the new front end is still running on a bad digital back end.” With the promotion of scientific and technological innovation and the advent of the information age, traditional banks are also carrying out related changes to adapt to the development of the times. In 2009, blockchain technology came into being with Bitcoin, the world's first type of token asset. During the development of this decade, blockchain technology has brought great challenges to the financial industry. It has made the revolution in the banking industry not limited to traditional attempts that a change in name only. Blockchain digital wallet Tark has created a new situation in the construction of digital bank. The emergence of digital bank has facilitated the world's 2.5 billion consumers who have not received sufficient banking financial services, and has also brought more abundant financial services to more than 45 million small and medium-sized enterprises. Digital banks will use the power of science and technology to cater to groups under the age of 50 who grew up in the age of computers. The mobile technology strategy will provide people with more convenient and efficient services and better integrate them into people's lives. Through the breakthrough of information security, digital banks can avoid the central information repository with risk of leakage, and replace it with an encrypted, more dispersed information system. Tark's ultimate goal is to create a global digital bank through wallet construction. The core technology of digital bank is the wallet. The core technology of the wallet is the blockchain. Tark has already done a good job of several elements to realize digital bank: First of all, Tark Wallet brings together the world's top technology talent. The Tark technical team is dedicated to building Tark's Silicon Valley Labs, which brings together the best Internet technology talents from Silicon Valley and Cambridge, and is mainly responsible for the technical development, maintenance and iteration of the wallet. In addition, TarK Wallet plans to set up R&D institutions in Australia and Italy to bring together scientific and technical talents from Europe, the United States and Australia, and ultimately make Tark Labs the output center of the top technology in blockchain. Secondly, Tark wallet technology is far ahead, with advanced technology that surpasses the global mainstream token asset wallet, and introduces the top technology innovation and multi-person collaborative management function of Silicon Valley in the United States, which greatly increase the safety factor of the risk of users’ token asset. Tark Wallet is the world's first cross-chain wallet based on the fourth-generation blockchain internet technology that supports the payment, storage and transaction of all token Assets. Tark technically implements atomic cross-exchange, lightning networks, and cross-chain lightning trading, taking wallet technology to a new level. The core research direction of Tark wallet is four aspects: consensus algorithm, landing application of blockchain, application of blockchain and Internet of Things, and Internet distributed data architecture. Theoretical knowledge will eventually become a practical application, and digital bank is a development direction of Tark wallet. Through peer-to-peer digital services, we can achieve seamless and low-cost international cross-border settlement and payment for global users, improve the experience of users, so that digital banks can really achieve the practical significance that is different from the traditional banks!