Lydia is a French-based fintech startup that operates as a mobile banking application. The company's primary service is to provide a platform for users to send and receive money, pay bills, save, and manage their finances efficiently. The app is designed to be user-friendly, with a simple interface and features that help users understand and organize their money better.

Lydia's target market includes individuals, couples, and groups who need a convenient way to manage their finances, budget for expenses, and save for vacations or projects. The app is compatible with Apple Pay and Google Pay, and it updates the account immediately after each purchase or ATM withdrawal. This means users no longer have to wait for transfers as they are instant.

The business model of Lydia is primarily based on providing financial services through its app. It makes money by charging fees for certain transactions, offering premium features for a subscription fee, and earning interest on the money stored in the app.

Lydia also offers online money pots for special occasions, making it easy for users to pool money together. The funds in Lydia are kept in a segregated account, with deposits guaranteed up to €100,000 per client. This ensures that the users' money is safe and secure.

Lydia is a French company, headquartered in Paris, with operations in Lyon, Nantes, and Bordeaux. It is regulated by the Banque de France and the AMF, ensuring it meets the highest security standards.

Keywords: Mobile Banking, Fintech, Financial Management, Instant Transfers, User-friendly, Online Money Pots, Secure Payments, French Startup, Regulated, Financial Services.