Smile for your

Lending Process

Existing solutions are not able to provide a complete picture of the character, capacity and capital of your borrowers. Smile provides instant access to the most recent, verified data about your borrowers' identity, employment and income with industry leading coverage.

Trusted by many leading lenders!

Reliable and Comprehensive Data on Borrowers

There is a lack of reliable and comprehensive data on borrowers because this data is fragmented, not centralized, and does not cover the majority of the population, especially the unbanked or the marginalized.

Smile solves this by using employment data.

Get instant access to the most recent, comprehensive, verified data about your users'

Access to complete employment data








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

  • Identity
  • Employment
  • Income

Frequently Asked Questions

How do you secure your API?

All data from Smile API is encrypted at RSA 4096 with SHA-256 signing for maximum security. Additionally, Smile does not store end-user credentials at any point: we pass these directly to the data source's servers via TLS to initiate the process of information sharing.

Is your API compliant 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.

Sharing users' data with our clients is done provided on a revocation-based model: only via explicit consent of the user via our SDK. Users can, at any point, revoke access to their data through this same means, making sure they are in full control when and to whom they share their own data.

All information is deleted and irretrievable once users have revoked access. Any other data is retained for 60 days, after which all personal data is anonymized.

We also maintain a Privacy Policy so you can be sure how your data is being used.

What data sources are available?

We have a wide range of data sources available for users to connect to, from social security institutions as well as various salary and gig platforms.

To see our full list of data sources, you can get free access to our developer portal and test our platform out for yourself. You may also book a call with us to find out more.

How scalable is your API?

Smile limits the amount of API calls that can be made to each endpoint to ensure the stability and availability of the platform for all users. At the moment we only allow clients a maximum of up to 20 requests per second per IP address across all API endpoints. Automatic expansion mechanisms and load balancing assure that service uptime is maintained.

Can we get free credits to try live data on our account?

Book a call with us to find out how to gain free credits for production mode on your account.

Which Mobile OS and Runtime does Smile Wink SDK support?

We support the following:

IOS Native

Android Native



Our Wink Widget sits on a webview window above your native app and may be closed by you or the user at any time to go back to your app.


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


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