Data-driven decisions
Replace guesswork with verified signals. One consistent profile feeds onboarding, underwriting and monitoring decisions across every channel.
300+
Data sources
8
Risk capabilities
1
API integration
24/7
Availability
Coverage varies by product
One data graph · Eight capabilities
Everything you need to decide, in one API.
Built for developers
One API. Full profile.
Replace a patchwork of point-solution vendors with a single integration. One API, one consent model, and one response format across identity, income, device, fraud, and AML signals — reconciled into one profile.
- REST API with sandbox keys from day one
- Webhooks for ongoing monitoring events
- One vendor to contract, audit, and integrate
POST /incomes/v1/incomeestimators
$ curl -X POST "https://sandbox.smileapi.io/v1/incomes/v1/incomeestimators" \
-u "$SMILE_CLIENT_ID:$SMILE_CLIENT_SECRET" \
-H "Content-Type: application/json" \
-d '{
"consent": {
"type": "Terms And Conditions",
"version": "1.0",
"consentedWith": "I agree to the terms and conditions.",
"consentedAt": "2021-04-14T09:30:24Z",
"consentTemplateId": null
},
"templateId": "tpl-incomeestimator-001",
"emailAddress": "gpalomero1234@smileapi.io",
"countryCode": "PH"
}'
// response · 200 OK
{
"code": "OK",
"message": "Success!",
"requestId": "ac9f2bc9-cab5-47c6-8105-85af7285dc21",
"data": {
"id": "iest-9ae6f7f14b0640e69c5199c2453d2f92",
"createdAt": "2026-08-18T06:32:14Z",
"status": "COMPLETED",
"resultCode": "SUCCESS",
"resultMessage": null,
"requestMeta": { … },
"result": {
"income": {
"monthlyMin": 17251,
"monthlyMax": 29250,
"currency": "PHP",
"tier": "HIGH"
},
"probability": 0.7388,
"certainty": "MEDIUM",
"modelVersion": "1.0.0"
}
}
}Outcomes
One question per stage — answered.
Verify
How fast can you verify a new applicant's identity and income?
In real time. Identity, income, and employment checks connect directly to government, telco, and payroll data sources, so verification happens inside the signup flow — in seconds, not days.
Assess
How do you reduce fraud without slowing down approvals?
A single risk profile built from identity, income, and device signals lets you approve good customers faster and decline bad ones faster — without adding manual review steps.
Monitor
How do you catch loan stacking before it becomes a non-performing loan?
Loan stacking and fraud rings rarely show up on day one. Smile keeps monitoring after approval, using the same profile built at onboarding — not a fresh dataset.
AI & data-driven decisions
Risk data your AI can act on
Smile API turns verified identity, income, device and watchlist signals into one structured risk profile. Credit models, rules engines and AI agents can read it and act on it in real time — so automated decisions rest on verified facts, not self-reported data.
Features for your models
Clean, labelled and consented attributes — identity, income, device and watchlist outcomes — ready to use as inputs for credit and fraud scoring models.
Context for AI agents
Give AI agents a single machine-readable profile to query. They can approve, flag or escalate a customer and explain why, using the reasons in the data.
Can AI agents use Smile API data?
- Yes. An AI agent can call Smile API as a tool and receive one structured risk profile per customer, then use those verified signals as context to approve, flag or escalate — with clear reasons a human reviewer can check.
Is Smile API data structured for machine use?
- Yes. Results come back as consistent, typed JSON fields — verification statuses, scores and flags — so rules engines, machine learning models and large language model agents can read them without manual cleanup.
How is consent handled when AI uses Smile API data?
- Every request carries the consent record captured from the end user, and Smile returns only the signals that consent covers. Your models and agents work with permissioned data, never scraped or self-reported guesses.
{
"profile": "prf_8f21",
"identity": "verified",
"income": { "status": "verified", "source": "payroll" },
"device": "trusted",
"fraudScore": 0.07,
"watchlists": "cleared",
"suggestedAction": "approve"
}