Assess credit worthiness in 10 seconds and reduce Non-performing Loans by 10%

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Get Data about Your Users Straight from the Source

Smile API covers 50+ platforms enabling you to access a wide range of alternative data and enrich your credit decisioning models.

Government Databases

SSS, GSIS, Pag-IBIG, and Philhealth

HR Platforms

GreatDayHR, Salarium, and more

Gig Economy Platforms

Upwork, Fiverr, Food Panda, and many more


Leverage Employment and Income Data to Lower Credit Risk

Banks, fintechs, recruitment agencies, and other service providers can leverage employment and income data to increase adoption and conversion, reduce cost, and reduce risk, through a single API. Permission to access their own personal data is given by each individual users themselves, so they can seamlessly share this data with the parties they trust.

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With Smile API, you can get access to recent, verified, and comprehensive data about your borrowers 👇


Get vetted identity information from current and previous employers such as name, contacts, address, and document verification status.


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


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


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


Get past educational background such as schools attended, date of attendance, degrees or diplomas earned and others.


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

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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