Data-driven decisions
Apply one consistent, verified data layer to every product line, so approval rules and models behave the same way across use cases.
Every business decision is a pattern of data. Smile connects the dots.
Eight ways teams turn scattered signals into one continuously updated risk profile — from loan origination to workforce risk.
01 Chapter / Digital banking
Originate faster without adding fraud exposure.
Verify identity and income, score fraud and credit risk, and screen watchlists during account opening and loan origination.
- 01KYC + income in one flow
- 02Loan stacking signals
- 03AML & PEP screening
Explore digital banking
02 Chapter / BNPL
Approve instantly. Don't absorb the losses.
Score applicants in real time using alternative credit data, device risk signals, and blacklist checks.
- 01Sub-second decisions
- 02Device & email footprint
- 03Disposable email detection
Explore bnpl
03 Chapter / Card issuing
Less signup friction. No synthetic identities.
Screen for synthetic identity and device-level fraud before a card is ever issued.
- 01Liveness + document match
- 02Synthetic ID signals
- 03Sanctions screening
Explore card issuing
04 Chapter / Earned wage
Advance wages on verified earnings.
Verify income and employment from third-party sources with consistent risk standards for every earner.
- 01Pay-cycle aware
- 02Employment status checks
- 03Advance history
Explore earned wage
05 Chapter / Recruitment
Background checks in 10 minutes, not 10 days.
Automatically verify employment history and background data for every candidate.
- 01Employment history
- 02Automated references
- 03Criminal record checks
Explore recruitment
06 Chapter / Rental
Proof of income and identity in one check.
Give landlords and property platforms a verified tenant profile before keys change hands.
- 01Income-to-rent ratio
- 02Address history
- 03ID verification
Explore rental
07 Chapter / Third-party risk
Vet every partner before you do business.
Business verification, ownership, and watchlist checks turn onboarding a third party into one API call.
- 01Registry & tax ID
- 02Beneficial owners
- 03Adverse media
Explore third-party risk
08 Chapter / Data services
Embed verified risk data in your own product.
License verified identity, employment, income, and risk-scoring data via API.
- 01300+ data sources
- 02One schema
- 03Real-time API
Explore data services
AI & data-driven decisions
How does Smile API power AI and data-driven decisions?
Across lending, BNPL, card issuing, earned wage access, recruitment, rental and vendor risk, Smile API supplies the same structured, verified risk profile. Teams use it to automate decisions and to give AI agents trustworthy context in every workflow.
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
Whether an agent is approving a loan, screening a candidate or vetting a supplier, it queries one profile and gets the context it needs.
Which use cases can AI agents automate with Smile API?
- Common examples include loan pre-approval, BNPL checkout limits, card onboarding, earned wage eligibility, candidate pre-screening, tenant affordability checks and supplier due diligence — each driven by the same verified risk profile.
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.
{
"profile": "prf_8f21",
"identity": "verified",
"income": { "status": "verified", "source": "payroll" },
"device": "trusted",
"fraudScore": 0.07,
"watchlists": "cleared",
"suggestedAction": "approve"
}