public class Wallet {
   @Id
   @NotNull
   @GeneratedValue
   private Double walletid;
   private Double derivedAmount;
}

public class Transaction {
   @ManyToOne
   private Double sourceWallet;
   @ManyToOne
   private Double destWallet;
   private Double amount;
}

@Entity
@Table(name = "USER")
public class User {
    @Id
    @Column(name = "USER_ID", nullable = false)
    private Integer id;

    @Column(name = "EMAIL", length = 100, unique = true, nullable = false)
    private String email;

    @Column(name = "NAME", length = 50, nullable = false)
    private String name;

    // It's a bad idea to use string password, please use binary password that is encrypted.
    // Of course, when save or update the data, Java application need encrypt the string password to binary password
    // by some algorithms, such as SHA1, MD5, RSA ...
    @Column(name = "PASSWORD", length = 20, nullable = false);
    private byte[] password;

    @OneToMany(mappedBy = "from") // Fake side, mappedBy Transaction.from
    private Set<Transaction> transactionsFromMe;

    @OneToMany(mappedBy = "to") // Fake side, mappedBy Transaction.to
    private Set<Transaction> transactionsToMe;

    public Set<Transaction> getTransactionsFromMe() {
         if (this.transactionsFromMe == null) {
             this.transactionsFromMe = new HashSet<>();
         }
         return this.transactionsFromMe;
    }

    public Set<Transaction> getTransactionsToMe() {
         if (this.transactionsToMe == null) {
             this.transactionsToMe = new HashSet<>();
         }
         return this.transactionsToMe;
    }

    Other getters and setters

}

@Entity
@Table(name = "TRANSACTION")
public class Transaction {
    @Id
    @Column(name = "TRANSACTION_ID", nullable = false)
    private Integer id;

    @ManyToOne
    @JoinColumn(name = "FROM_ID", nullable = false)
    private User from; //Real side

    @ManyToOne
    @JoinColumn(name = "TO_ID", nullable = false)
    private User to; //Real side

    @Column(name = "TYPE", nullable = false)
    @Enumerated(EnumType.STRING)
    private TransactionType type;

    @Column(name = "DESCRIPTION", length = 1000, nullable = false)
    private String description;

    // It's a bad idea to use float or double for money
    // Use java.math.BigDecimal to specify the amount to make it is precise absolutely.
    @Column(name = "AMOUNT", nullable = false)
    private BigDecimal amount;

    Getters and setters

}

public enum TransactionType {
    ....
}