Your funds are in BNP Paribas bank, where Lemonway accounts are being held.
Lemonway accounts are in the name of the beneficiary (investor or borrower) and they are opened automatically when you sign up and get verified on the EstateGuru marketplace. All money movements are initiated based on your instructions/activities on the EstateGuru interface. No additional activities are required from the user either on Lemonway nor BNP Paribas.