Smile
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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Smile the way a machine reads it — 47 machine-readable artifacts across 1 API, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Smile scores 43.2/100 (developing), with a separate agent-readiness read of 36/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-10-31 · rubric v0.25.0
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title="Smile on API Evangelist — API profile and Kin Score">
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</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Smile
Each block below is one kind of artifact we hold for Smile. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 32
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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.
Scroll within the panel for all 32 ·
Agent Skills 3
An agent skill packages the how-to for driving these APIs from an assistant — the prompts, the sequence, the guardrails — so the knowledge to use the API travels with it.
Packaged agent skills for driving this provider's APIs from an AI assistant.
getsmileapi-create-and-view-user
AGENT SKILLgetsmileapi-manage-consent-templates
AGENT SKILLgetsmileapi-manage-webhooks
AGENT SKILLEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Getsmileapi Webhooks
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Getsmileapi Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Smile API Rules
SPECTRALJSON Schema 6
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
InvitePostRequest
JSON SCHEMAInviteTemplatePostRequest
JSON SCHEMAInviteTemplateUpdateRequest
JSON SCHEMAschemas-SocialSecurityPostRequest
JSON SCHEMAVerificationCreateRequest
JSON SCHEMAWebhookPostRequest
JSON SCHEMASecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Smile — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Company 1
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/getsmileapi · machine-readable index on apis.io
This is an independent, third-party profile of Smile, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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