Lydia is a company offering innovative online banking solutions with a focus on secure and efficient banking accounts that provide interest on deposits. Their services include a variety of accounts such as personal, budget, joint, and project accounts, all providing a competitive interest rate of 4% on deposits. Lydia also offers tools to assist with saving, budgeting, and managing multiple accounts from different banks through a single platform. They emphasize customer empowerment by providing user-friendly tools to monitor and organize finances, and all funds are protected under French banking regulations. Their platform allows users to create and manage group savings, known as 'cagnottes', for various collective financial goals.