Reduce credit risk and make better decisions with Smile API

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Unlock the Power of Employment Data for Smarter Credit 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.

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USE CASES

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

Banking

Optimize loan origination process and reduce cost of compliance

Card Issuing

Reduce friction in the signup, verification and approval process

Recruitment

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

OUR PLATFORM

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.

Using employment and income data, you can make better credit decisions, increase adoption and conversion, and lower risk. And the best part? Each user gives permission to access their data, making it easy and seamless for them to share with the parties they trust.

Say hello to streamlined lending with Smile.

FIND OUT HOW

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

GET YOUR API KEY

AWARDED AND RECOGNIZED BY

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

AFFILIATED WITH

Get good customers with better data.

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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