Is Lydia a bank?

Excuse me, could you clarify something for me? The paragraph mentions "Lydia", and it seems to be discussing a financial entity. However, I'm a bit confused. Are we referring to Lydia as a traditional bank, like the ones we know that offer services like deposit accounts, loans, and other financial products? Or is Lydia perhaps a new type of financial institution, operating in the realm of cryptocurrency or with a unique business model? I'm genuinely curious to understand the context in which Lydia is being discussed here.