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

13.4/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Company Payments Banking Fintech Neobank Mobile Banking Consumer Finance France

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 13.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 7.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 →

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

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)

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: '0.23'
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