Decentro
5.9#9 in employment verification softwareWebAPI
VisitDecentro vs Smile API
What both publish
| Fact | Decentro | Smile API |
|---|---|---|
| Integration | Decentro provides a test environment and shares test API credentials after onboarding a platform. | The API uses REST, JSON, and HTTPS, and the developer resources include an OpenAPI specification and Postman collection. |
| Integrations | Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch. | The maker describes integration through a unified API, plug-and-play APIs, and a developer SDK; Smile Wink can also be embedded as a widget or sent by email. |
| Product | Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs. | Smile API provides real-time, user-authorized access to verified identity, employment, and financial data through an API. |
| Security | Decentro says its dashboard uses MFA and its systems use AES256 and RSA4096 encryption standards. | Smile says credentials are sent to data sources over TLS and data is encrypted using RSA 4096 with SHA-256 signing. |
| Support | The escrow page describes 24x7x365 priority support via email, phone, and Slack. | Smile invites organizations to contact it for help understanding the API, implementation, and going live. |
Decentro plans
- Decentro GlobalPriced on request
Smile API plans
- SandboxFree
Pick Decentro if…
Decentro lists cross-border businesses, marketplaces, financial institutions, consumer platforms, offline payment processors, and payment aggregators as use cases. It may suit platforms seeking API-connected payment and account modules.
Pick Smile API if…
Smile API suits banks, fintechs, lenders, recruitment agencies, HR teams, and other service providers that need identity, employment, or income data in their services. Developers can try the sandbox with mock data before seeking approved production access.