Make Better Credit Decisions Using Employment Data

Multiple use cases and business models can be enabled via Smile


Smile provides employment data across platforms and employers, all through a single API

If you work for a lender, bank, or fintech, you can use Smile API to verify identity and income, review employment history, fast track applications, and inform credit approvals. Using employment and income data can result in better decisions, increased adoption and conversion, reduced cost, and lower risk. Permission to access their own data is given by each individual user, so they can seamlessly share this data with the parties they trust.

Use our API for your web, mobile and desktop applications


Instant Data Access

Instant access to the most recent, comprehensive, verified data about your users' identity, employment, and income, made available with their consent.

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

RESTful API access

Test your application with real and dummy data in our sandbox

Receive data in JSON format

  • Identity
  • Employment
  • Income


Get vetted identity information from current and previous employers such as name, birthday, gender, contact information, and address.


Get financial information, including account balances, previous transactions, and other relevant financial information.


Get previous employment history, including job title, job description status, tenure, employer names, and others.


Get historical, summarized income information such as base pay, gross pay, net pay, and other components that make up income.


Get past ratings or performance evaluations. Get date, ratings and related work performed. Rating can be a leading indicator for credit-worthiness.


Get documentary information such as ID cards, diplomas, certificates, and other types of documentary information owned by a person..


Get data on assets owned and used for employment such as vehicles, devices, equipment and others that may be useful for qualification and verification.


Get data on any outstanding liabilities such as the number and amount of any outstanding loans, the terms of the loans, and any amounts in arrears,

Ready to get started? Contact us today!

Contact us so we can assist you with understanding the API, how to implement it in your organization, and how to go live with Smile in your product or service. You can also subscribe to our Newsletter to get the latest updates on Smile.


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As seen on:

CreditEase, Plug and Play invest in Smile API, an employment data startup targeting gig workers

Southeast Asia Deals Monitor: Smile API gets investment from CreditEase and Plug and Play

As seen on:

Utilizing fintech to streamline employment and income data from different platfrms

Smile API’s secure employee-owned data fast-tracks applications for financial services

As seen on:

Smile API formally debuts in PH, pitches privacy-centric digital platform

Company launches employee info system to make data accessible to financial institutions in the Philippines

As seen on:

Smile API announced the launch of a new digital platform designed to facilitate loan application approval within just a few seconds

The Bangko Sentral ng Pilipinas (BSP) said its regulated institutions should assess borrowers in “a holistic and prudent manner”


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