Abstract away the DAL from Entity Framework implementation

First of all I'm sorry if this is going to be a long post, but I don't know how to explain the problem in the correct way without the required details.

I'm having troubles finding a way to abstract my DAL from an Entity Framework implementation. The project I'm working on is very small, but if in future I'd want to switch to another ORM like NHibernate, or just plain ADO.NET, I'd like to write code just for the implementation, not the entire DAL.

Say I have these entities in my MyWallet.DAL:

public interface IWallet {
    long Id { get; set; }
    float TotalAmountOfMoney { get; set; }
    long CurrencyId { get; set; }
    ICurrency Currency { get; set; }
    DateTime RecordedOn { get; set; }
    ICollection<IMoneyMovement> MoneyMovements { get; set; }
}

public interface ICurrency {
    long Id { get; set; }
    char Symbol { get; set; }
    string Code { get; set; }
    string Description { get; set; }
}

public interface IMoneyMovement {
    long Id { get; set; }
    float Amount { get; set; }
    string Description { get; set; }
    long WalletId { get; set; }
    IWallet Wallet { get; set; }
    DateTime RecordedOn { get; set; }
    DateTime MovedOn { get; set; }
}

As you can see these are plain interfaces which I plan to implement on another library which will contain the actual Entity Framework implementation (say MyWallet.DAL.EntityFramework). Of course I'm going to decorate the entities implementation with Entity Framework specific attributes as [Key] or [ForeignKey] and stuff like that.

I also defined some repository in MyWallet.DAL like IWalletRepository, IMoneyMovementRepository, ICurrencyRepository to gain access to the entities. Actually I don't know if this is the right way to design access to the entities. Of course I also defined factories to get the concrete implementation of the entities.

In my business layer I defined services to handle the object request, work with the DAL entities and return a business object, like this:

public class WalletService {
    private readonly IWalletRepository _walletRepository;
    private readonly IWalletFactory _walletFactory;

    public WalletService(IWalletRepository walletRepository, 
        IWalletFactory walletFactory) {

        _walletRepository = walletRepository;
        _walletFactory = walletFactory;
    }

    public CreatedWallet CreateWallet(CreateWalletRequest request) {
        var wallet = _walletFactory.Create();

        wallet.CurrencyId = request.CurrencyId;
        wallet.TotalAmountOfMoney = request.TotalAmountOfMoney;
        wallet.RecordedOn = DateTime.Now;

        _walletRepository.Create(wallet);
        _walletRepository.SaveChanges();

        return new CreatedWallet {
            Id = wallet.Id
        }
    }
}

I thought this was going to work seamlessly, or at worst - in a situation when I've got more than one repository - I could share the DataContext so I'd need to fire the SaveChanges method on just one to reflect the changes on the database.

The problem is with the repository implementation, in this case I'll continue with Entity Framework:

public class EFDataContext : DbContext {
    public EFDataContext() : base ("name=MyConnectionString") {
    }

    public virtual DbSet<EFWallet> Wallets { get; set; }
    public virtual DbSet<EFMoneyMovement> MoneyMovements { get; set; }
    public virtual DbSet<EFCurrency> Currencies { get; set; }
}

public class EFWalletRepository : IWalletRepository {
    private readonly EFDataContext _dataContext;

    public EFWalletRepository(EFDataContext dataContext) {
        _dataContext = dataContext ?? new DataContext();
    }

    public int SaveChanges() {
        return _dataContext.SaveChanges();
    }

    public void Dispose() {
        _dataContext.Dispose();
    }

    public void Create(IWallet wallet) {
        ...???
    }
}

Now that's the problem: how do I work with interfaces when the DataContext knows only about concrete implementations? Am I doing this all wrong?