The Borrower Behavior API analyzes hundreds of lending and borrowing activity signals drawn from a subject's mobile number, national ID, and optionally their Google Ad ID (GAID). By querying behavioral event data across financial institutions and platforms in the Smile Network, it surfaces patterns of credit-seeking, repayment, and delinquency that go beyond what a single lender's records can reveal.

This makes it particularly effective for assessing thin-file borrowers, detecting stacking behavior, and evaluating creditworthiness in markets where traditional credit bureau coverage is incomplete.

Borrower Behavior checks are synchronous: results are returned immediately in the API response.

Smile Borrower Behavior is currently in Beta.

Available Templates

The template you select determines which identifiers are required and which behavioral signals are returned. Each template is optimized for a specific market.

Template ID	Market	Required Identifiers
`tpl-maw004001`	Mexico (MX)	`mobileNumber`, `countryCode`, `fullName`, `idType`, `idNumber` (CURP)
`tpl-maw004002`	Africa countries	`gaid` (Google Ad ID)
`tpl-maw004003`	Philippines (PH)	`mobileNumber`, `countryCode`, `fullName`, `idType`, `idNumber`

All templates also require templateId and consent.

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About GAID (Google Ad ID)
gaid is a device-level identifier in UUID format (e.g. 00000000-0000-0000-0000-000000000000). For tpl-maw004002 (Africa), it is the only identifier needed. For tpl-maw004001 (Mexico) and tpl-maw004003 (Philippines), gaid is optional — but when provided, the response will include additional events_gaid_* signals that cross-reference the subject's behavioral data against their device ID.

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Mobile Number Privacy
For templates that require mobileNumber, MD5-encrypted input is accepted. Submit the encrypted value as MD5(countryCode + mobileNumber) — for example, MD5(639559991234) for a Philippine number. This allows you to send the identifier without transmitting the raw phone number in plaintext.

How a Borrower Behavior Request Works

Submit a Borrower Behavior request using POST /beta/maws/requestMaw3. Provide templateId, consent, and the identifiers required by your chosen template.
Receive the result synchronously. The API returns the full Borrower Behavior object in the response body. The maw3Items array contains each behavioral signal returned for your account configuration.
Evaluate the signals. Each item has a name (the signal identifier), a value, and a valueType (STRING, NUMBER, or BOOLEAN). See the Borrower Behavior Data Dictionary for signal names, value types, and descriptions by market.

The Borrower Behavior Objects

Request Object

Required fields depend on the template. templateId and consent are always required.

Attribute	Type	Required	Description
templateId	string	Yes	The template to use. Determines the required identifiers and the market to screen against.
consent	object	Yes	Evidence of the subject's consent. See Consent Templates for details.
mobileNumber	string	Required for `tpl-maw004001`, `tpl-maw004003`	The subject's mobile number including country code, no leading zeros. Example: `639178912345`. MD5-encrypted input is also accepted (see note above).
countryCode	string	Required for `tpl-maw004001`, `tpl-maw004003`	ISO 3166 alpha-2 country code for the subject's market. Example: `PH`, `MX`.
fullName	string	Required for `tpl-maw004001`, `tpl-maw004003`	The subject's full name.
idType	string	Required for `tpl-maw004001`, `tpl-maw004003`	The type of ID provided. See Supported ID Types below.
idNumber	string	Required for `tpl-maw004001`, `tpl-maw004003`	The subject's ID number corresponding to the `idType` provided. For `tpl-maw004001`, must be a valid Mexico CURP.
gaid	string	Required for `tpl-maw004002`; optional for others	The subject's Google Ad ID in UUID format. When provided for MX or PH templates, enriches results with `events_gaid_*` signals.

Supported ID Types

ID Type	Description	Supported Markets
`NATIONAL_ID`	National identity card or equivalent	MX (CURP), PH
`SSS`	Social Security System number	PH
`UMID`	Unified Multi-Purpose ID number	PH
`TIN`	Tax Identification Number	PH
`PRC`	Professional Regulation Commission license number	PH
`PHILHEALTH`	Philippine Health Insurance Corporation ID	PH
`PHILSYS`	Philippine Identification System ID	PH
`PASSPORT`	Passport number	PH
`DRIVER_LICENSE`	Driver's license number	PH

Borrower Behavior Object

This is the object returned in the response.

Attribute	Type	Description
id	string	Unique ID of this Borrower Behavior record. IDs use the prefix `maw-`.
createdAt	date-time	Date and time when this record was created
status	string	Current processing status of the request. See Borrower Behavior Statuses below.
resultCode	string	Final result code of the check. See Result Codes below.
resultMessage	string	Human-readable description of the result
type	string	Always `MAW3` for requests made through this API
requestMeta	object	Echo of the original request parameters sent with the check
maw3Items	array	The behavioral signals returned for this request. See Item Object below.
maw2Items	array	Always empty (`[]`) for MAW3 requests. Used by the Multiple Application Warning (MAW2) product.

Item Object

Each entry in the maw3Items array represents a single behavioral signal.

Attribute	Type	Description
name	string	The signal identifier. Uses underscore-separated naming. Example: `events_gaid_loan_g_30day_count`
value	string	The signal value, always returned as a string regardless of the underlying type
valueType	string	The data type of the value. One of: `STRING`, `NUMBER`, `BOOLEAN`

Borrower Behavior Statuses

Status	Description
`PROCESSING`	The check is currently in progress
`COMPLETED`	The check has completed and results are available
`ERROR`	The check encountered an error and could not be completed

Result Codes

Result Code	Description	Billable
`SUCCESS`	The check completed and behavioral signal data was returned in `maw3Items`.	Yes
`NO_DATA`	Smile was unable to return signal data for the provided identifiers.	No
`SYSTEM_ERROR`	An internal error occurred. Contact Smile support if this persists.	No
`SERVICE_UNAVAILABLE`	A required data source is temporarily unavailable.	No

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Billing Note
Borrower Behavior checks are billed only on SUCCESS. NO_DATA results are not charged. Only the POST /beta/maws/requestMaw3 endpoint is counted for billing — List and Get requests are not charged.

About the `maw3Items` Array

The signals returned in maw3Items depend on the template used, the identifiers provided, and your account configuration. Signal naming follows a structured convention that encodes the identifier type, event category, and time window — for example, events_gaid_loan_g_30day_count means "count of loan events in the past 30 days, indexed by GAID."

Signals are organized by market, with each market having its own set of available attributes:

Mexico (tpl-maw004001) — Signals covering cross-industry credit application, approval, disbursement, repayment, and overdue events, keyed on mobile number (events_m_*), ID (events_i_*), and GAID (events_gaid_*) when provided.
Africa (tpl-maw004002) — Signals keyed on GAID (events_gaid_*) covering lending activity and behavioral patterns.
Philippines (tpl-maw004003) — Signals covering credit granting event frequency, timing, and platform diversity, keyed on GAID (events_gaid_*) when provided.

For the complete list of available signal names, value types, and descriptions for each market, see the Borrower Behavior Data Dictionary.

Sample Borrower Behavior data

{
  "id": "maw-e35d521ef8f147c4aa01b7c1af85aaf7",
  "createdAt": "2021-04-14T09:30:24Z",
  "status": "COMPLETED",
  "resultCode": "SUCCESS",
  "resultMessage": "Success!",
  "type": "MAW3",
  "requestMeta": {
    "templateId": "tpl-maw004003",
    "mobileNumber": "639559991234",
    "countryCode": "PH",
    "fullName": "George Smith",
    "idType": "SSS",
    "idNumber": "4561234567",
    "gaid": "00000000-0000-0000-0000-000000000000",
    "consent": {
      "type": "Terms And Conditions",
      "version": "1.0.0",
      "consentedWith": "I agree to the terms and conditions.",
      "consentedAt": "2021-04-14T09:30:24Z",
      "consentTemplateId": null
    }
  },
  "maw3Items": [
    {
      "name": "events_gaid_loan_g_30day_count",
      "value": "3",
      "valueType": "NUMBER"
    },
    {
      "name": "events_gaid_loan_g_90day_count",
      "value": "7",
      "valueType": "NUMBER"
    },
    {
      "name": "events_gaid_timediff_loan_g_30day",
      "value": "12",
      "valueType": "NUMBER"
    }
  ],
  "maw2Items": []
}

Sandbox Testing

Use the following values to trigger a successful response in the Sandbox environment. Any other valid input combination will return resultCode: NO_DATA with an empty maw3Items array.

Template ID	Test Input	Expected Response
`tpl-maw004001`	`mobileNumber: 529559991234`, `countryCode: MX`, `fullName: George`, `idNumber: ZAZD801124MBSYQN13`, `idType: NATIONAL_ID`	`resultCode: SUCCESS`
`tpl-maw004002`	`gaid: 00000000-0000-0000-0000-000000000000`	`resultCode: SUCCESS`
`tpl-maw004003`	`mobileNumber: 639559991234`, `countryCode: PH`, `fullName: George`, `idNumber: 4561234567`, `idType: NATIONAL_ID`	`resultCode: SUCCESS`

Endpoints

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Shared List and Get Endpoints
The List and Get endpoints are shared with the Multiple Application Warning (MAW2) product. When listing, use the mawType=MAW3 query parameter to filter for Borrower Behavior records only.

Endpoint
Create Borrower Behavior check	`POST /beta/maws/requestMaw3`
List Borrower Behavior checks	`GET /beta/maws`
Retrieve one Borrower Behavior check	`GET /beta/maws/{id}`

Available Templates

About GAID (Google Ad ID)

Mobile Number Privacy

How a Borrower Behavior Request Works

The Borrower Behavior Objects

Request Object

Supported ID Types

Borrower Behavior Object

Item Object

Borrower Behavior Statuses

Result Codes

Billing Note

About the maw3Items Array

Sample Borrower Behavior data

Sandbox Testing

Endpoints

Shared List and Get Endpoints

About the `maw3Items` Array