Sketch wallet layer to fetch and create a wallet about cardano-wallet HOT 6 CLOSED

@piotr.stachyra indeed, and it doesn't have to be. This is the wallet layer to which the API layer talks to.
The representation of the second factor as a mnemonic sequence is really just a detail of the API.
Actually, we could say the same for the main mnemonic and have the wallet layer receives a seed directly.

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add kernel and API layers

This isn't exactly true. So here, we are interested in our WalletLayer which sits between the API Layer, the Network Layer and the DB Layer. I'll provide a diagram on slack to make things a bit clearer. But this particular task is NOT about creating the API layer.

What we need here is really just a few effectful functions that can compose the functions from:

• The wallet business logic (Cardano.Wallet -- which is the equivalent of our old Kernel here)
• The network layer
• The db layer (which doesn't exist so far so we'll have to sketch a small module api for that and emulate it with an MVar).

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This now sounds like duplicated with #69. I'll close #69 in favor of this one, but move this one in the next milestone 👍

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Okay, re-reading the decisions, they aren't really the same. This one is about implementing the create and get part of the wallet layer, while #69 is really about the wallet worker which would apply block and maintain a wallet state. So, they are related and will share a state through the DB layer, but they aren't strictly the same.

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@paweljakubas, @KtorZ - looking at https://github.com/input-output-hk/cardano-wallet/blob/master/src/Cardano/WalletLayer.hs#L71-L75

data NewWallet = NewWallet
    { mnemonic
        :: !(Mnemonic 15)
    , mnemonic2ndFactor
        :: !(Passphrase "generation")

this does not to seem to be inline with API spec ->

mnemonic_sentence - Array of string <bip-0039-mnemonic-word{english}> [ 15 .. 24 ] items
mnemonic_2nd_factor - Array of string <bip-0039-mnemonic-word{english}> [ 9 .. 12 ] items

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lgtm 👍

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