Splitting a restaurant bill used to involve a painful combination of mental arithmetic, someone forgetting their wallet, and a group negotiation about whether to ask for separate checks. Lydia was founded in Paris in 2013 to make that specific moment effortless — and in doing so, became the dominant peer-to-peer payment app in France. Its simple interface for sending and requesting money between contacts captured a generation of French users who had grown up with PayPal but wanted something faster and more mobile-native. Lydia expanded beyond P2P transfers into a broader financial platform, adding savings accounts, investment products, and consumer credit — the classic neobank expansion playbook, executed in a market where Revolut and N26 were competing aggressively for the same digitally native users. The company rebranded its premium offering as Sumeria in 2023, signalling an evolution from a payment utility into a full financial product. In the French fintech landscape, which has historically been dominated by the large banking groups, Lydia built something rare: a consumer brand with genuine affection from its users, built on the back of a product so simple that it spread without marketing.