Reduce your NPL
Existing solutions are not able to provide a complete picture of the character, capacity and capital of your borrowers. See how Smile can provide the instant access to the most recent, verified data about your borrowers' employment and income.
Trusted by Leading Lenders in the Philippines
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Reliable and Comprehensive Data on Borrowers
Smile Solves This by Using Employment Data
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.
Get instant access to the most recent, comprehensive, verified data about your users'
Access to complete employment data
Pay-as-you-go
model
Seamless
integration
Instant
Access
BENEFITS
Get the Data Access You Need, When You Need It
Say goodbye to the hassle of gathering and verifying data for your lending process.
Frequently Asked Questions
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.
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.
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.
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.
Book a call with us to find out how to gain free credits for production mode on your account.
We support the following:
IOS Native
Android Native
Flutter
Reactive
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.
AWARDED AND RECOGNIZED BY
e27 TOP100 Growth Program
Singapore Fintech Association
Certified FinTech
Hackernoon
Singapore Startup of the Year Nominee
Google Cloud Academy APAC
2023 Cohort
Philippine Startup Week 2023
Most Innovative Startup Award - Gold Winner
Philippine Startup Week 2023
Top 100 Startups SHOWQASE by QBO
Top Southeast Asia Developer APIs Companies and Startups
Devcon Summit 2022
Top 8 Startup
Philippine Startup Week 2022
Top 100 Startups SHOWQASE by QBO
Impact '23
The Philippine SAAS Conference
A-stream Singapore
Top 5 Philippine Startup
WILDFIRE Pitch Event
Top 3 Finalist
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