# Smile

**Canonical:** https://apis.io/providers/getsmileapi/  
**Website:** https://getsmileapi.com/  
**APIs profiled:** 1

Smile API provides consent-driven employment and income verification services for credit decisioning, credit scoring, KYC, fraud prevention, and pre‑employment screening in the Philippines. It offers APIs for real‑time risk assessment, digital onboarding, document processing, and seamless integration with lending, financing, recruitment, and property rental platforms. The platform emphasizes data privacy, secure account linking, and AI‑powered document extraction to streamline verification workflows for financial institutions and enterprises.

## Kin Score — 43.2 / 100 (developing)

Scored 2026-10-23 under rubric 0.25.0.

| Facet | Score |
|---|---|
| Discoverability | 66.1 |
| Contract Quality | 72.7 |
| Contract Governance | 22.0 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 39.9 |
| Access Clarity | 7.9 |

Regulatory layer — **Employment & Payroll**: 21.6 (matched via tags).

## Agent readiness — 36.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | derived |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | verified |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | distinct |

## APIs (32)

- **Smile Accounts API** — The Accounts API from Smile — 5 operation(s) for accounts.
- **Smile Archives API** — The Archives API from Smile — 3 operation(s) for archives.
- **Smile Blacklists (Alpha) API** — The Blacklists (Alpha) API from Smile — 2 operation(s) for blacklists (alpha).
- **Smile Consent Templates API** — The Consent Templates API from Smile — 2 operation(s) for consent templates.
- **Smile Contributions API** — The Contributions API from Smile — 2 operation(s) for contributions.
- **Smile Documents API** — The Documents API from Smile — 2 operation(s) for documents.
- **Smile Employments API** — The Employments API from Smile — 2 operation(s) for employments.
- **Smile Estimated Incomes API** — The Estimated Incomes API from Smile — 2 operation(s) for estimated incomes.
- **Smile File Types API** — The File Types API from Smile — 1 operation(s) for file types.
- **Smile Footprints (Alpha) API** — The Footprints (Alpha) API from Smile — 2 operation(s) for footprints (alpha).
- **Smile Forms (Alpha) API** — The Forms (Alpha) API from Smile — 2 operation(s) for forms (alpha).
- **Smile Identities API** — The Identities API from Smile — 2 operation(s) for identities.
- **Smile Income Estimators (Alpha) API** — The Income Estimators (Alpha) API from Smile — 2 operation(s) for income estimators (alpha).
- **Smile Incomes API** — The Incomes API from Smile — 2 operation(s) for incomes.
- **Smile Insights API** — The Insights API from Smile — 2 operation(s) for insights.
- **Smile Invite Templates API** — The Invite Templates API from Smile — 2 operation(s) for invite templates.
- **Smile Invites API** — The Invites API from Smile — 3 operation(s) for invites.
- **Smile Liabilities API** — The Liabilities API from Smile — 2 operation(s) for liabilities.
- **Smile Links API** — The Links API from Smile — 2 operation(s) for links.
- **Smile Maws (Alpha) API** — The Maws (Alpha) API from Smile — 2 operation(s) for maws (alpha).
- **Smile Maws (Beta) API** — The Maws (Beta) API from Smile — 4 operation(s) for maws (beta).
- **Smile Providers API** — The Providers API from Smile — 2 operation(s) for providers.
- **Smile Ratings API** — The Ratings API from Smile — 2 operation(s) for ratings.
- **Smile Signals (Alpha) API** — The Signals (Alpha) API from Smile — 2 operation(s) for signals (alpha).
- **Smile Signals (Beta) API** — The Signals (Beta) API from Smile — 4 operation(s) for signals (beta).
- **Smile Social Securities (Beta) API** — The Social Securities (Beta) API from Smile — 2 operation(s) for social securities (beta).
- **Smile Tasks API** — The Tasks API from Smile — 2 operation(s) for tasks.
- **Smile Tokens API** — The Tokens API from Smile — 1 operation(s) for tokens.
- **Smile Transactions API** — The Transactions API from Smile — 2 operation(s) for transactions.
- **Smile Users API** — The Users API from Smile — 4 operation(s) for users.
- **Smile Verification API** — The Verification API from Smile — 2 operation(s) for verification.
- **Smile Webhooks API** — The Webhooks API from Smile — 2 operation(s) for webhooks.

## Agentic access (1)

- **Getsmileapi Agentic Access** — 92 operations · 29 acting · 4 human-in-the-loop

## Security (2)

- **Getsmileapi Authentication** — 1 scheme
- **Getsmileapi Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Employment Verification, Credit Scoring, KYC, Fraud Prevention, Philippines

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/getsmileapi/). Scores are computed from the provider's own public artifacts under a published rubric.