# Sumeria

**Canonical:** https://apis.io/providers/sumeria/  
**Website:** https://sumeria.eu/  
**APIs profiled:** 0

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.

## Kin Score — 13.4 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (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 | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## Security (1)

- **Sumeria Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Payments, Banking, Fintech, Neobank, Mobile Banking, Consumer Finance, France

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