Smile API 

Founded in 2021, Smile API is a fast-growing financial technology company providing a unified, secure platform for consumer-permissioned income and employment verification in emerging markets. Through a single, secure API, Smile integrates direct-source database access, AI-powered document processing, and rapid risk assessment capabilities to empower financial institutions, digital lenders, recruitment agencies, and property platforms with real-time, verified data. By utilizing a consent-driven approach that provides broader and more reliable data coverage than traditional credit bureaus, Smile API helps clients drastically accelerate processing times, lower operational costs, and confidently expand services to underbanked and thin-file individuals. Headquartered in Singapore and strictly compliant with data privacy regulations, Smile is dedicated to driving financial inclusion and enabling greater economic opportunities through trusted, secure data.