What is the best way to keep balance?

Question

Database design

There is a table that stores the balance of users:

• userId
  
• balance
  
• holdBalance
  

Now the balance field stores both the money earned by the user within the framework of the service and the money entered by him into the service (balance replenishment) . It is necessary to transfer the money that the user entered into the system into a separate column, conditionally depositBalance , which is needed to simplify the logic of the withdrawal mechanism.
What's the best way to do it?

1. Store all money in the balance column , and use depositBalance in parallel ().
   
2. Store the money earned in the system in the balance table, and in the depositBalance entered in the system. At the model/controller level, add both values.
   
3. Something other...
   

Answer 1

1st option + transaction log

Answer 2

user_id
balance_change = Decimal
datetime
balance is received as balance_change sum
Or you can suffer with record locks
Or you can have problems with race updates