Credit Lifecycle (Signal1)

The Credit Lifecycle API delivers real-time risk signals using a subject's mobile number, drawn from a wide variety of lending and borrowing activity events across institutions in the Smile Network. It is Smile's broadest general-purpose risk screening product, designed to give you immediate insight into a subject's loan application history, disbursement activity, repayment behavior, and overdue patterns — with no additional identifiers beyond a phone number.

To help you get started quickly, Smile pre-selects 30 of the most common risk signals for your account out of a catalog of hundreds. You can swap these out for a different set that better matches your risk model. Contact your account manager to explore the full signals catalog and configure a custom signal set.

Credit Lifecycle checks are synchronous: results are returned immediately in the API response.

Credit Lifecycle is currently in Beta.

How a Credit Lifecycle Request Works

1. Submit a Credit Lifecycle request using POST /beta/signals. Provide templateId, phone, countryCode, and consent.

2. Receive the result synchronously. The API returns the full Credit Lifecycle object in the response body. The items array contains each signal configured for your account.

3. Evaluate the signals. Each item has a name (the signal identifier), a value, and a valueType (STRING, NUMBER, or BOOLEAN). See the Credit Lifecycle Data Dictionary for the full list of available signal names, value types, and descriptions.

📘

Mobile Number Privacy

MD5-encrypted phone input is accepted. Submit the encrypted value as MD5(countryCode + phone) — for example, MD5(639559991234) for a Philippine number. Both plain format (639559991234) and international format with leading + (+639559991234) are also accepted.

The Credit Lifecycle Objects

Request Object

Credit Lifecycle Object

This is the object returned in the response.

Item Object

Each entry in the items array represents a single risk signal.

Credit Lifecycle Statuses

Result Codes

📘

Billing Note

Credit Lifecycle checks are billed only on SUCCESS. NO_DATA results are not charged. Only the POST /beta/signals endpoint is counted for billing — List and Get requests are not charged.

Available Signals

Smile pre-selects 30 signals for your account by default. You can swap any of these out for a different set from the full catalog. The table below shows which signals are available and which are enabled by default.

Legend

• ✅ Available by default
• 🟨 Available, not enabled by default

Phone Signals

Email Signals

Coming soon.

For exact signal names, value types, and detailed descriptions, see the Credit Lifecycle Data Dictionary.

Sample Credit Lifecycle data

{
  "id": "signal-e35d521ef8f147c4aa01b7c1af85aaf7",
  "createdAt": "2021-04-14T09:30:24Z",
  "status": "COMPLETED",
  "resultCode": "SUCCESS",
  "resultMessage": "query success",
  "signalType": "Signal1",
  "requestMeta": {
    "templateId": "tpl-sgn003001",
    "phone": "639559991234",
    "countryCode": "PH",
    "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
    }
  },
  "items": [
    {
      "name": "events_application_reception_day30",
      "value": "2",
      "valueType": "NUMBER"
    },
    {
      "name": "events_loan_disbursement_day30",
      "value": "1",
      "valueType": "NUMBER"
    },
    {
      "name": "events_overdue_day30",
      "value": "0",
      "valueType": "NUMBER"
    },
    {
      "name": "events_debt_day90_amount",
      "value": "A0",
      "valueType": "STRING"
    },
    {
      "name": "events_loan_disbursement_days_since_last",
      "value": "14",
      "valueType": "NUMBER"
    }
  ]
}

Sandbox Testing

Use the following values to trigger a successful response in the Sandbox environment. Any other valid phone and country code combination will return resultCode: NO_DATA with an empty items array.

Endpoints

📘

Shared List and Get Endpoints

The List and Get endpoints are shared with other Signals products, including Borrower Screening and Social Security Signals. When listing, use the signalType=Signal1 query parameter to filter for Credit Lifecycle records only.