Summary

Smile API is a fintech platform offering a unified API for verifying borrower identity, income, and employment history. It streamlines the loan application process for various industries including lending, banking, card issuing, recruitment, and rental verification. Key features include access to alternative data for credit scoring, automated background checks (reducing screening time to 10 minutes), and integration with third-party employment and income data sources. The platform has received numerous awards and recognitions, including top startup accolades in the Philippines and Southeast Asia, and has secured investments from CreditEase and Plug and Play. It’s designed to help financial institutions operate more efficiently, reduce compliance costs, and provide faster loan approvals, particularly for gig workers.

Title

Smile API | Employment Verification & Credit Data Philippines

Description

Smile API: consent-driven employment and income verification service for credit decisioning, credit scoring, kyc, fraud prevention and pre-employment screening

Keywords

smile, data, employment, credit, income, contact, time, access, startup, risk, cases, real, privacy, fraud, lending, recruitment, company

NS Lookup

A 34.237.47.210

Dates

Created 2026-03-09

Updated 2026-03-09

Summarized 2026-03-11