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Get instant access to employment and income data!

We aggregate and unlock previously siloed employment and income data coming from employment documents, HR and payroll systems, gig economy platforms, and government systems. Everything is done in real-time and with their consent.

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BENEFITS

Get the Data Access You Need, When You Need It

Say goodbye to the hassle of gathering and verifying data for your lending process. With Smile API, you'll have instant access to the most recent, comprehensive, and verified data about your users' identity, employment, and income with the user's consent.

Get access to over 100 employment data points for a wide and growing coverage in Asia

Access data through a RESTful API

Test your application with real and dummy data in our sandbox

Receive data in JSON format

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  • Identity
  • Employment
  • Income
Identity
Employment
Income
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Multiple use cases and business models can be enabled via Smile

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Buy Now, Pay Later

Instant income verification, enabling quick and informed approval decisions.

Fraud protection by supplying accurate, real-time employment data.

Accurate creditworthiness assessments, ensuring BNPL services can responsibly evaluate a customer's repayment capability.

Personal Lending

Accelerates loan approvals with fast, verified income and employment checks.

Improves risk management by providing comprehensive borrower employment data.

Improves risk management by providing comprehensive borrower employment data.

Earned Wage Access

Enables real-time employment verification to support immediate earned wage access.

Assures accurate income calculation for precise wage disbursement.

Strengthens user trust with transparent and verified financial data integration.

Banking

Simplifies customer due diligence with quick employment and income verification.

Enhances credit underwriting with access to reliable employment data.

Mitigates fraud risk by providing verified, real-time financial information.

Card Issuing

Streamlines card application approvals with rapid income and employment verification.

Reduces fraud in card issuance through robust, real-time data checks.

Supports responsible card issuing with accurate assessment of financial stability.

Recruitment

Optimizes candidate screening with immediate access to verified employment history.

Increases recruitment efficiency by streamlining background checks.

Enhances hiring decisions with comprehensive, real-time employment data.

Property Rentals

Provides landlords with fast, accurate income verification for tenant screening.

Reduces rental application processing time with real-time employment checks.

Enhances due diligence, ensuring reliable and financially stable tenants.

Data Services

Deliver consolidated, real-time employment data for multifaceted analytical insights.

Facilitates data-driven decision-making with comprehensive verification services.

Enhance data accuracy and reliability for various industry applications.

It's Easy to Get Started

Get a guided walk-through on how to implement our API

Test and preview our SDK and API

Get access to over 100 data points for employment and income verification

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Frequently Asked Questions

What data sources are available?

We have a wide range of data sources available for users to connect to, from social security institutions as well as various salary and gig platforms.

To see our full list of data sources, you can get free access to our developer portal and test our platform out for yourself.

Who can use the Developer Portal?

Anyone can use it! Our developer portal is designed to be accessible for everyone who wants to integrate with our API. While it is useful in particular for software developers to understand how to connect with our API and to preview how the service works, it can also be useful for other people in the organization, particularly those in credit risk or in recruitment roles.

How does Smile's employment data differ from traditional credit data?

Unlike traditional sources of credit data like credit scores or manually submitted documents, our employment data provides greater coverage, real-time access, and the most recent, comprehensive, verified data about your users' identity, employment, and income that is available in the market today. This means you can make more informed decisions about risk and suitability when assessing credit applications.

How much does it cost?

You can sign up for free! However, if you want to gain access to live data and take advantage of our premium features, you can book a call with us to discuss pricing and enable it for your account. Our team will work with you to ensure you're getting the best possible value for your needs.

What is the difference between Production Mode and Sandbox Mode?

Use Sandbox Mode if you need to test how the SDK works and during development. Sandbox Mode includes test accounts you can use that return you data for development and testing purposes. These do not connect to our partner data sources, so you can freely test out the system.


Production Mode, on the other hand, will return only Live data. Production Mode connects to live production environments of our data sources, and as such, requires actual accounts from actual people. Book a demo here.

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