About Smile

Smile provides a single API that enables real-time, user-authorized access to verified employment and income data from various sources, including government and gig platforms. This technology streamlines credit scoring and employment verification processes, reducing the time for background checks from days to minutes while minimizing the risk of non-performing loans.

```xml <problem> Traditional methods of verifying employment and income data are often slow, manual, and rely on disparate sources, leading to delays and increased risk of fraud in credit scoring, loan underwriting, and background checks. This can result in non-performing loans and inefficient processes for financial institutions and HR departments. </problem> <solution> Smile API provides a unified platform for accessing real-time, user-authorized employment and income data from various sources, including government agencies, HR systems, payroll providers, and gig economy platforms. By aggregating data through a single API, Smile streamlines verification processes, reducing the time required for background checks and credit assessments from days to minutes. The platform enables businesses to make faster, more accurate decisions while minimizing the risk of fraud and non-performing loans. Smile API empowers individuals to seamlessly share their verified data with trusted parties, enhancing data portability and control. </solution> <features> - Single API access to employment and income data across multiple platforms and employers - Real-time, user-authorized data retrieval, ensuring compliance with data privacy regulations - Automated verification of borrower identity, income, and employment history - Integration with existing loan underwriting and decisioning systems - Alternative data points for credit scoring, benefiting individuals with limited credit history - Fraud prevention capabilities through cross-verification of applicant-provided information - Streamlined pre-employment screening with comprehensive work history and income data verification </features> <target_audience> Smile API primarily targets banks, fintech companies, recruitment agencies, and other service providers that require efficient and reliable employment and income verification. </target_audience> ```

What does Smile do?

Where is Smile located?

Smile is based in Singapore, Singapore.

When was Smile founded?

Smile was founded in 2021.

Location

Singapore, Singapore

Founded

2021

Major Investors

Plug and Play, Afore Capital, CreditEase

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Smile

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Executive Summary

getsmileapi.com LinkedIn Profile

Founded 2021 – Singapore, Singapore

Funding

Major Investors

Plug and Play, Afore Capital, CreditEase

Team

No team information available.

Company Description

Problem

Traditional methods of verifying employment and income data are often slow, manual, and rely on disparate sources, leading to delays and increased risk of fraud in credit scoring, loan underwriting, and background checks. This can result in non-performing loans and inefficient processes for financial institutions and HR departments.

Solution

Smile API provides a unified platform for accessing real-time, user-authorized employment and income data from various sources, including government agencies, HR systems, payroll providers, and gig economy platforms. By aggregating data through a single API, Smile streamlines verification processes, reducing the time required for background checks and credit assessments from days to minutes. The platform enables businesses to make faster, more accurate decisions while minimizing the risk of fraud and non-performing loans. Smile API empowers individuals to seamlessly share their verified data with trusted parties, enhancing data portability and control.

Features

Single API access to employment and income data across multiple platforms and employers

Real-time, user-authorized data retrieval, ensuring compliance with data privacy regulations

Automated verification of borrower identity, income, and employment history

Integration with existing loan underwriting and decisioning systems

Alternative data points for credit scoring, benefiting individuals with limited credit history

Fraud prevention capabilities through cross-verification of applicant-provided information

Streamlined pre-employment screening with comprehensive work history and income data verification

Target Audience

Smile API primarily targets banks, fintech companies, recruitment agencies, and other service providers that require efficient and reliable employment and income verification.