Lydia website screenshot

Lydia

Lydia is a French fintech, founded in 2013, that built one of Europe's most popular mobile peer-to-peer payments apps, letting users send money, split bills, and pay merchants from their phone. Backed by Accel, Tencent and others, the company evolved into a full mobile banking and financial services provider. In 2024 it split its consumer banking product into a new brand, Sumeria (sumeria.eu), while the Lydia name continues for the P2P payments experience. Lydia publishes a security.txt bug-bounty contact but no longer exposes a public developer API or portal.

Lydia is profiled on the APIs.io network. Tagged areas include Company, Payments, Fintech, Mobile Payments, and Peer-to-Peer.

🌐 Visit website 📡 Source on GitHub
10.8/100 minimal ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyPaymentsFintechMobile PaymentsPeer-to-PeerBankingNeobankFrance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 10.8/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/lydia: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Lydia Domain Security

TLSv1.3 · DMARC

SECURITY

Lydia Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 SecurityTxt
SecurityTxt
 DomainSecurity
DomainSecurity

Company 2

The organization behind the API

Website
Website
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: lydia
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lydia.png
name: Lydia
description: Lydia is a French fintech, founded in 2013, that built one of Europe's most popular mobile peer-to-peer payments
  apps, letting users send money, split bills, and pay merchants from their phone. Backed by Accel, Tencent and others, the
  company evolved into a full mobile banking and financial services provider. In 2024 it split its consumer banking product
  into a new brand, Sumeria (sumeria.eu), while the Lydia name continues for the P2P payments experience. Lydia publishes
  a security.txt bug-bounty contact but no longer exposes a public developer API or portal.
url: https://raw.githubusercontent.com/api-evangelist/lydia/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Payments
- Fintech
- Mobile Payments
- Peer-to-Peer
- Banking
- Neobank
- France
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/lydia-vulnerability-disclosure.yml
- type: Security
  url: https://lydia-app.com/.well-known/security.txt
- type: SecurityTxt
  url: well-known/lydia-security.txt
- type: WellKnown
  url: well-known/lydia-well-known.yml
- type: DomainSecurity
  url: security/lydia-domain-security.yml
- type: Website
  url: https://lydia-app.com/
- type: Website
  url: https://sumeria.eu/
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 4
  pass: local-v1