Smile API is a verified Seed-stage fintech company (raised ~$3M from DEG, Plug and Play) providing employment data infrastructure in Southeast Asia. While the submission quality was poor (hyperbolic claims of 'everyone' using it, missing financial specifics), external due diligence confirms legitimate traction, including banking partnerships and awards (KMC Startup Awards). The project has high real-world utility for financial inclusion, addressing the lack of credit data in the region. The score reflects strong market timing and utility, penalized by the lazy submission and exaggerated reach claims.
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