The money in your Lydia balance is yours.
When you receive money with Lydia, it's instantly yours. You can find it in your balance. It's a digital representation of real money, kept in a bank account at BNP-Paribas. This account is held and guaranteed by the Société Financière du Porte Monnaie Électronique Interbancaire (SFPMEI). Lydia can't access it or invest it. Only you can access it.
You can keep your money in your account to use it later, or you can cash it out with just one tap, for free.