Unlock the Power of Employment Data for Smarter Decisions

Streamline your credit decision process with access to recent, comprehensive, verified employment data. Trust in the reliability and security of our API to provide you with the data you need to make informed decisions.


Multiple use cases and business models can be enabled via Smile

Buy Now, Pay Later

Get access to alternative data for credit scoring and credit decisions

Personal Lending

Streamline income

verification and minimize risk of credit defaults and non-performing loans

Earned Wage Access

Easy access to third-party employment and income data and apply consistent standards for assessing credit worthiness


Optimize loan origination process and reduce cost of compliance

Card Issuing

Reduce friction in the signup, verification and approval process


Automatically verify applicants' employment history and streamline employment document submissions

Rental Verification

Get proof of income and indications of renter's character and capacity

Data Services

Expand offerings to customers to include employment and income data


Verify your borrower's identity, income, and employment history through a single API.

Smile offers a centralized source of employment data across multiple platforms and employers with a single API.

Get the Data Access You Need, When You Need It

Are you looking for a faster way to recruit?

Our automated background check solution can help you simplify your recruitment process, reducing it from a 4-week ordeal to just 1 day.

Are you looking to reduce nonperforming loans?

We provide employment data across different employment platforms and employers, all through a single API for credit decisions and loan underwriting.


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

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

BSP said its regulated institutions should assess borrowers in "a holistic and prudent manner"

Utilizing fintech to streamline employment and income data from different platforms

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

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

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

Smile API's secure employee-owned data fast tracks application for financial services



How is this in compliance with the Data Privacy Act?

Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the Philippine Data Privacy Act.

How does it work?

Smile offers two use cases: one for lenders and one for HR professionals.

For lenders, our API integrates into their company's system to reduce nonperforming loans and increase adoption and conversion.

For HR professionals, our automated background check solution helps them hire faster and more efficiently by reducing time spent and preventing falsified information.

Who is Smile API?

We are an employment verification solution and trusted by multiple lending companies. We are now expanding our solution among HR practitioners to support the recruitment process with our instant, automated, and new employee authorized background check solution. We provide instant access to the most recent, comprehensive, verified data about your users' identity, employment and income in the industry. Use it to make better decisions, increase adoption and conversion, lower cost and reduce risk.

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