With its 5 million users, Lydia has become in less than 10 years a Super App that offers insurance, payment and savings services. Cyril gives us very detailed feedback. From the early years with its co-founder Antoine Porte and the development of the Drinkon.me App to the Growth Hack at EPITECH and all the product developments that followed, you will understand how this scaleup has risen to the Next 40. Lydia's DNA is definitely to always provide more value to users by managing the complexity of deploying financial services. We provide an overview of services while providing full transparency on the integrations that make these features possible. Finally, Cyril comes back very precisely to the evolution of the cap table and explains to us Lydia "refoundation", the modernization program of the company and its App allow FinTech to truly revolutionize everyday financial services. Good listening to all ! We leave with two books to read: - The Paypal Wars by Eric Jackson - The man who planted trees by Jean Giono Good listening to all!