Smile logo
THE SMILE PLATFORM

Eight capabilities.
One unified API.

Bring identity, income, business and device signals together into one continuously updated risk profile. Verify, assess and monitor — without starting over.

Talk to our team
Many signals. One integration. CONNECTUNIFYACTIVATE
01 — Verify

Establish who you're dealing with.

KYC / Identity verification

Real-time identity verification against government, telco, and institutional sources.

  • Real-time ID verification
  • Document & biometric matching
  • Configurable KYC workflows
  • Bank account validation
  • Automatic document classification
Explore

Income & employment verification

Verified income and employment data from payroll, HR, and gig platforms — alternative data for thin-file credit.

  • Real-time payroll & HR access
  • Gig-income verification
  • Employment history validation
  • Income estimator
  • Social security data (MX, TH)
  • Branded invites & hosted link flow
Explore

Business verification

Business registration, ownership, and standing checks for merchants, SME borrowers, and partners.

  • Business registration verification
  • UBO (ultimate beneficial owner) checks
  • Standing & status monitoring
Explore
02 — Assess

Decide if they're safe to approve.

Device intelligence & fingerprinting

Device fingerprinting plus phone and email digital-footprint analysis to catch spoofed devices and automated fraud.

  • Device fingerprinting
  • Digital footprint analysis
  • Cross-application device linking
Explore

Fraud & risk scoring

A single configurable score combining identity, device, income, and behavioral signals into one approve/decline/review output.

  • Composite scoring
  • Configurable thresholds
  • Real-time scoring API
Explore

AML & watchlist screening

Automatic screening against blacklists and sanctions lists at onboarding.

  • Blacklist & sanctions screening
  • Configurable list sources
  • Compliance audit trail
Explore
03 — Monitor

Keep watching after approval.

Loan stacking & application velocity detection

Real-time detection of concurrent loan applications across lenders — also known as credit stacking.

  • Cross-lender velocity signals
  • Configurable time windows
  • Real-time flagging
Explore

Ongoing watchlist re-screening

Periodic re-checks against blacklists and sanctions lists so new matches surface after onboarding, not just at it.

Explore

Background screening

Automated employment history and reference verification for workforce risk — on the same infrastructure as your customer-facing checks.

  • Employment history verification
  • Automated reference checks
  • Recruitment workflow integration
Explore
AI & data-driven decisions

How does Smile API power AI and data-driven decisions?

The Smile platform unifies eight risk capabilities behind one API, so every model and AI agent reads the same continuously updated risk profile. That makes automated decisioning consistent from first onboarding check to ongoing monitoring.

Data-driven decisions

Verify, Assess and Monitor all write to one profile, so every downstream decision uses the latest verified data instead of stale snapshots.

Features for your models

Clean, labelled and consented attributes — identity, income, device and watchlist outcomes — ready to use as inputs for credit and fraud scoring models.

Context for AI agents

Expose one endpoint to your AI agent instead of eight integrations. The agent gets complete customer context in a single, predictable response.

Why does a unified API matter for AI agents?

Agents work best with a small number of reliable tools. One unified Smile API gives an agent identity, income, fraud and watchlist context in one call, which reduces errors and makes its decisions easier to audit.

Is Smile API data structured for machine use?

Yes. Results come back as consistent, typed JSON fields — verification statuses, scores and flags — so rules engines, machine learning models and large language model agents can read them without manual cleanup.

How is consent handled when AI uses Smile API data?

Every request carries the consent record captured from the end user, and Smile returns only the signals that consent covers. Your models and agents work with permissioned data, never scraped or self-reported guesses.
Example profile an agent receives
{
  "profile": "prf_8f21",
  "identity": "verified",
  "income": { "status": "verified", "source": "payroll" },
  "device": "trusted",
  "fraudScore": 0.07,
  "watchlists": "cleared",
  "suggestedAction": "approve"
}
Get connected

One profile. Every stage. One API.

Start with one capability or deploy the full lifecycle — Smile plugs into your existing onboarding and underwriting flows either way.

Contact sales