Unlock the Power of Employment Data for Smarter Decisions

Smile API provides user-authorized access to recent, comprehensive, verified employment data that is accessible in real-time from employment documents, HR and payroll systems, gig economy platforms, and social security systems through a SINGLE API.


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 to reduce nonperforming loans?

Get the validated identity and better assess the capacity of your borrowers through Smile. With Smile, you can assess credit worthiness in 10 seconds and reduce non-performing loans by 10%

Looking for a faster way to do background checks?

Our automated background check solution can help you simplify the pre-employment screening and onboarding process: reducing it from a 10-day ordeal to just 10 minutes!


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


Frequently Asked Questions

What is Smile API?

Smile can provide employment dataacross platforms and employers, all through a single API. Use our API to make better decisions, increase adoption and conversion, lower cost, and reduce risk. Access to the data is provided by the employees themselves. We offer a mechanism by which your users can give their consent to have this personal data collected and transmitted to you or any party they trust on their behalf. This is all done in a simple, secure and seamless way.

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.

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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