# Lydia

**Canonical:** https://apis.io/providers/lydia/  
**Website:** https://lydia-app.com/  
**APIs profiled:** 0

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.

## Kin Score — 4.4 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 4.4).

| Facet | Score |
|---|---|
| Discoverability | 61.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Lydia Domain Security** — TLSv1.3 · DMARC
- **Lydia Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Payments, Fintech, Mobile Payments, Peer-to-Peer, Banking, Neobank, France

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lydia/). Scores are computed from the provider's own public artifacts under a published rubric.