# Kota **Canonical:** https://apis.io/providers/kota/ **Website:** https://www.kota.io/ **APIs profiled:** 33 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. ## Kin Score — 58.0 / 100 (strong) Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 58.0). | Facet | Score | |---|---| | Discoverability | 81.5 | | Contract Quality | 66.4 | | Governance | 11.5 | | Operational Transparency | 34.2 | | Developer Ergonomics | 79.9 | | Commercial Clarity | 60.5 | Regulatory layer — **Insurance**: 54.5 (matched via tags). ## Agent readiness — 60.1 (agent-native) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | MCP Server | yes | | Auth Clarity | yes | | Idempotency | verified | | Error Semantics | verified | | OpenAPI Examples | no | | Rate Limit Signal | no | | Event Surface Described | yes | | Agent Skills | derived | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium). ## APIs (33) - **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. ## MCP servers (1) - **kota-mcp.yml** ## Agentic access (1) - **Kota Agentic Access** — 172 operations · 73 acting ## Security (4) - **Kota Authentication** — http · 1 scheme - **Kota Domain Security** — TLSv1.3 · HSTS · DMARC - **Kota Vulnerability Disclosure** — contact published - **Kota Trust Center** — SOC 2, ISO 27001, HIPAA, GDPR ## Tags Company, Fintech, Insurance, Employee Benefits, Health Insurance, Pensions, Insurtech, Embedded Finance, Human Resources, Payroll --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/kota/). Scores are computed from the provider's own public artifacts under a published rubric.