Kota
Kota is a Dublin-headquartered employee benefits platform that gives payroll, HR and employer-of-record platforms embedded access to health insurance, workplace pensions, life assurance, flexible benefits and spend cards across Ireland, the UK, Spain and other markets. Kota Embedded is sold as three developer products — a Hosted redirect experience, an Embed JavaScript SDK (Kota.js) that drops themed employer and employee benefit UIs into a partner platform, and a full REST API for building a completely custom benefits journey. The Kota API is an OpenAPI 3.1 contract at api.kota.io covering employers, employees, groups, group policies, policies, plans, health insurance quotes and offers, contribution reports, associated persons/dependents, and a family of intent resources (group quote, group policy, enrolment, dependents management, policy amendment, policy import) that model each step of the benefits lifecycle. Authentication is API key bearer tokens with pk_test_/pk_live_ prefixes, POST requests accept an Idempotency-Key header, errors conform to RFC 9457 Problem Details, and a large webhook catalog (v1 and v2 event families) publishes employer, employee, group, policy, quote and contribution-report state changes.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Kota the way a machine reads it — 40 machine-readable artifacts across 33 APIs, 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 — Kota scores 61.8/100 (strong), with a separate agent-readiness read of 84/100 (agent native). 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.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Kota
Each block below is one kind of artifact we hold for Kota. 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 33
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.
Kota Associated Persons API
The Associated Persons API from Kota — 2 operation(s) for associated persons.
Kota associatedPersons API
The associatedPersons API from Kota — 2 operation(s) for associatedpersons.
Kota Contribution Reports API
The Contribution Reports API from Kota — 5 operation(s) for contribution reports.
Kota contributionReports API
The contributionReports API from Kota — 5 operation(s) for contributionreports.
Kota Dependents Management Intents API
The Dependents Management Intents API from Kota — 6 operation(s) for dependents management intents.
Kota dependentsManagementIntents API
The dependentsManagementIntents API from Kota — 6 operation(s) for dependentsmanagementintents.
Kota Embed Sessions API
The Embed Sessions API from Kota — 1 operation(s) for embed sessions.
Kota embedSessions API
The embedSessions API from Kota — 1 operation(s) for embedsessions.
Kota employees API
The employees API from Kota — 4 operation(s) for employees.
Kota employers API
The employers API from Kota — 3 operation(s) for employers.
Kota Enrolment Intents API
The Enrolment Intents API from Kota — 7 operation(s) for enrolment intents.
Kota enrolmentIntents API
The enrolmentIntents API from Kota — 7 operation(s) for enrolmentintents.
Kota events API
The events API from Kota — 3 operation(s) for events.
Kota Group Policies API
The Group Policies API from Kota — 2 operation(s) for group policies.
Kota Group Policy Intents API
The Group Policy Intents API from Kota — 3 operation(s) for group policy intents.
Kota Group Quote Intents API
The Group Quote Intents API from Kota — 5 operation(s) for group quote intents.
Kota groupPolicies API
The groupPolicies API from Kota — 2 operation(s) for grouppolicies.
Kota groupPolicyIntents API
The groupPolicyIntents API from Kota — 3 operation(s) for grouppolicyintents.
Kota groupQuoteIntents API
The groupQuoteIntents API from Kota — 5 operation(s) for groupquoteintents.
Kota groups API
The groups API from Kota — 4 operation(s) for groups.
Kota Health Insurance API
The Health Insurance API from Kota — 8 operation(s) for health insurance.
Kota healthInsurance API
The healthInsurance API from Kota — 8 operation(s) for healthinsurance.
Kota Hosted Sessions API
The Hosted Sessions API from Kota — 1 operation(s) for hosted sessions.
Kota hostedSessions API
The hostedSessions API from Kota — 1 operation(s) for hostedsessions.
Kota plans API
The plans API from Kota — 2 operation(s) for plans.
Kota policies API
The policies API from Kota — 2 operation(s) for policies.
Kota Policy Amendment Intents API
The Policy Amendment Intents API from Kota — 5 operation(s) for policy amendment intents.
Kota Policy Import Intents API
The Policy Import Intents API from Kota — 2 operation(s) for policy import intents.
Kota policyAmendmentIntents API
The policyAmendmentIntents API from Kota — 5 operation(s) for policyamendmentintents.
Kota policyImportIntents API
The policyImportIntents API from Kota — 2 operation(s) for policyimportintents.
Kota providers API
The providers API from Kota — 2 operation(s) for providers.
Kota requirements API
The requirements API from Kota — 1 operation(s) for requirements.
Kota webhooks API
The webhooks API from Kota — 2 operation(s) for webhooks.
Scroll within the panel for all 33 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
kota-mcp.yml
MCP SERVEREvent 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.
Kota Webhooks
ASYNCAPISecurity Posture 4
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 Kota — 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 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
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 2
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
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/kota · machine-readable index on apis.io