Sumeria

Sumeria is a French fintech and mobile-first banking service created by Lydia Solutions in 2024 as a consumer spinoff of the Lydia payment app. It offers free online banking accounts with automatic expense categorization, thematic sub-accounts for budgeting and savings, virtual and physical debit cards with no foreign-exchange fees, an interest-bearing balance, and an AI assistant named Sia for account management and financial guidance. Sumeria is a business-to-consumer banking product; it publishes no public developer API, developer portal, or API documentation at this time, so this API Evangelist profile captures its company identity and domain-security posture rather than an API surface.

Sumeria is profiled on the APIs.io network. Tagged areas include Company, Payments, Banking, Fintech, and Neobank.

Sumeria’s developer surface includes engineering blog, pricing, signup flow, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub
19.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyPaymentsBankingFintechNeobankMobile BankingConsumer FinanceFrance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 19.0/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 8.9 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · 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 0 / 4
Consent & Bot Identity 0 / 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/sumeria: 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 1

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

Sumeria Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp
SignUp
 Login
Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

HelpCenter
HelpCenter

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: sumeria
name: Sumeria
description: Sumeria is a French fintech and mobile-first banking service created by Lydia Solutions in 2024 as a consumer
  spinoff of the Lydia payment app. It offers free online banking accounts with automatic expense categorization, thematic
  sub-accounts for budgeting and savings, virtual and physical debit cards with no foreign-exchange fees, an interest-bearing
  balance, and an AI assistant named Sia for account management and financial guidance. Sumeria is a business-to-consumer
  banking product; it publishes no public developer API, developer portal, or API documentation at this time, so this API
  Evangelist profile captures its company identity and domain-security posture rather than an API surface.
url: https://raw.githubusercontent.com/api-evangelist/sumeria/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
image: https://sumeria.eu/wp-content/uploads/2025/11/website_img.png
tags:
- Company
- Payments
- Banking
- Fintech
- Neobank
- Mobile Banking
- Consumer Finance
- France
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/sumeria-domain-security.yml
- type: Website
  url: https://sumeria.eu/
- type: Blog
  url: https://sumeria.eu/blog/
- type: HelpCenter
  url: https://support.sumeria.eu/
- type: Pricing
  url: https://sumeria.eu/documents/tcs/fr/12032026/2-sumeria/2-3-sumeria-annexe-tarifs-et-limites-fr-240426.pdf
- type: SignUp
  url: https://app.sumeria.eu/register
- type: Login
  url: https://app.sumeria.eu/login
- type: TermsOfService
  url: https://support.sumeria.eu/l/fr/article/rietq40bob-conditions-generales-de-sumeria-pour-les-nouveaux-clients
- type: PrivacyPolicy
  url: https://sumeria.eu/fondamentaux/conditions-generales/politique-de-protection-des-donnees-personnelles-lydia-solutions/
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1