Lydia Solutions is a Paris-based French fintech founded in 2011 (launched 2013) by Cyril Chiche and Antoine Porte. It operates as an electronic money institution authorized by the Banque de France. The company develops and operates mobile applications—primarily Lydia and its neobank product Sumeria—for peer-to-peer payments, multi-currency IBAN accounts, payment cards, savings, transfers, budgeting, and QR-code or contactless transactions.