Get instant access!
We aggregate and unlock previously siloed employment and income data coming from employment documents, HR and payroll systems, gig economy platforms, and government systems. Everything is done in real-time and with their consent.
With Smile API, you can get access to recent, verified, and comprehensive data about your borrowers 👇
Identities
Get vetted identity information from current and previous employers such as name, contacts, address, and document verification status.
Transactions
Get financial information, including account balances, previous transactions, and other relevant financial information.
Employments
Get previous employment history, including job title, status, tenure, employer names, employer contact information, and others.
Incomes
Get previous income information such as base pay, gross pay, net pay, and other components that make up income.
Ratings
Get past ratings or performance evaluations. Get date, ratings and related work performed. Rating can be a leading indicator for credit-worthiness.
Assets
Get data on assets owned and used for employment such as vehicles, devices, equipment and others that may be useful for qualification and verification.
Schools
Get past educational background such as schools attended, date of attendance, degrees or diplomas earned and others.
Documents
Get documentary information such as ID cards, diplomas, certificates, and other types of documentary information owned by a person..
Frequently Asked Questions
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.
Anyone can use it! Our developer portal is designed to be accessible for everyone who wants to integrate with our API. While it is useful in particular for software developers to understand how to connect with our API and to preview how the service works, it can also be useful for other people in the organization, particularly those in credit risk or in recruitment roles.
Unlike traditional sources of credit data like credit scores or manually submitted documents, our employment data provides greater coverage, real-time access, and the most recent, comprehensive, verified data about your users' identity, employment, and income that is available in the market today. This means you can make more informed decisions about risk and suitability when assessing credit applications.
You can sign up for free! However, if you want to gain access to live data and take advantage of our premium features, you can book a call with us to discuss pricing and enable it for your account. Our team will work with you to ensure you're getting the best possible value for your needs.
Use Sandbox Mode if you need to test how the SDK works and during development. Sandbox Mode includes test accounts you can use that return you data for development and testing purposes. These do not connect to our partner data sources, so you can freely test out the system.
Production Mode, on the other hand, will return only Live data. Production Mode connects to live production environments of our data sources, and as such, requires actual accounts from actual people. Book a demo here.
