The fragmented risk stack
Most risk stacks bolt together separate vendors for each stage: one for KYC, another for fraud, a third for monitoring. None of them share what they learn, so you re-verify the same customer three times over — and still miss the connections between stages.
Where risk slips through
That is how loan stacking, synthetic identities, and repeat bad actors slip through. Each vendor sees a slice of the customer, but no one sees the whole person moving across onboarding, underwriting, and monitoring.
One profile, compounding signals
Smile closes those gaps by keeping one profile per customer. What you learn during onboarding carries straight into fraud screening, and into ongoing monitoring after approval — so risk signals compound instead of resetting.
Faster decisions, fewer false declines, and a compliance team that sees the full picture at every stage instead of a snapshot at signup.
The unified identity and risk platform for fintechs and digital banks
Smile is an identity verification and risk management API for fintechs and digital banks. It brings KYC, business verification, income and employment verification, device intelligence, fraud and credit risk scoring, AML screening, loan stacking detection and background screening together in one risk profile, so you can verify who someone is, assess their risk and keep monitoring after approval.
We built Smile because the data lenders need is fragmented, slow to access and hard to trust. Smile connects to the government, payroll, telco and institutional sources that hold it and, with the individual's consent, turns it into verified data you can act on in real time. The result is faster decisions, fewer false declines, and fairer access to credit and work for the people behind every application.
Jerome Eger presenting Smile at a Plug and Play event.
The infrastructure of verified truth
At Smile, we believe that your data should be your greatest asset, not a barrier to your progress. In an increasingly digital world, the records of your hard work — your employment history, your income, and your identity — are often fragmented and difficult to access. This "data friction" slows down financial inclusion and limits economic mobility.
We are here to change that. By transforming fragmented records into portable, user-owned assets, we provide the infrastructure that allows truth to travel as fast as you do.
A world where verified truth eliminates barriers, making economic opportunity and mobility seamless and available for all.
Empower people and businesses with an infrastructure of verified truth — transforming fragmented records into portable, user-owned assets that unlock seamless access to credit, employment, and financial opportunity worldwide.
Give secure and easy access
We want every individual to be able to unlock their full potential through secure and easy access to their personal data, especially their employment and income information.
Create new opportunities
We are the bridge between the custodians of people's personal data and the businesses that need it to provide better services, and in the process we create new and meaningful opportunities for all.
Enable financial inclusion
By changing how employment and income data is collected, processed, shared and used, we create greater inclusion, transparency, equity and opportunity for everyone.
The people behind Smile
Our team brings decades of experience across financial services, technology, consulting and services. Together we are changing how employment and income data is collected, processed, shared and used, to enable positive change in Asia.
Recognized for moving fast and blazing trails
Milestones from across Southeast Asia and beyond — proof that the market is ready for a single, unified risk profile.