Nayya

Nayya is an AI-powered health and wealth benefits decision-support platform used by employers, brokers, carriers, and benefits-administration partners to help employees choose and use their benefits. Its "Choose" experience delivers personalized plan recommendations, and its agentic adviser can answer benefits questions and file supplemental-health claims on an employee's behalf. Nayya exposes a partner-facing REST API — Nayya Integrate — with three surfaces (Accounts, Benefits, and Choose) that let integrators map employers, employees, and dependents, configure benefits, snapshot an employee's context, retrieve recommendations, and record enrollments, plus an embedded UI that partners drop into their own enrollment flow via SSO.

Nayya publishes 11 API contracts indexed on the APIs.io network, including Benefits API, Carriers API, Connections API, and 8 more. Tagged areas include Company, Employee Benefits, Insurance, Insurtech, and Health.

The Nayya catalog on APIs.io includes 1 Spectral governance ruleset.

Nayya’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, authentication, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

52.6/100 developing ▬ flat Agent 24/100 agent aware Front door AI 5/6 prominent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

3 published contracts 2 Agent Skills

Company Employee Benefits Insurance Insurtech Health Decision Support Human Resources Enrollment Recommendations Artificial Intelligence

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Human Capital Management

BC-300

BenefitsDependentsEmployeesEnrollmentsRecommendationsSnapshots

POST /employers/{employerId}/enrollments POST /employers/{employerId}/employees/{employeeId}/snapshot POST /employers/{employerId}/employees/{employeeId}/dependents

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 52.6/100 · developing

Contract Quality 9.1 / 19

Developer Ergonomics 8.8 / 15

Access Clarity 5.5 / 15

Operational Transparency 2.6 / 10

Contract Governance 2.9 / 9

Discoverability 5.9 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 5.0 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 48.6 — up to +12.9 composite points
Access Clarity scores 36.8 — up to +12.6 composite points
Operational Transparency scores 26.3 — up to +9.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/nayya/apis.yml: open an issue on github.com/api-evangelist/nayya to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

Nayya Benefits API

The Benefits API from Nayya — 4 operation(s) for benefits.

Nayya Carriers API

The Carriers API from Nayya — 1 operation(s) for carriers.

Nayya Connections API

The Connections API from Nayya — 2 operation(s) for connections.

Nayya Dependents API

The Dependents API from Nayya — 2 operation(s) for dependents.

Nayya Employees API

The Employees API from Nayya — 2 operation(s) for employees.

Nayya Employers API

The Employers API from Nayya — 3 operation(s) for employers.

Nayya Enrollments API

The Enrollments API from Nayya — 2 operation(s) for enrollments.

Nayya Recommendations API

The Recommendations API from Nayya — 1 operation(s) for recommendations.

Nayya Rule Templates API

The Rule Templates API from Nayya — 1 operation(s) for rule templates.

Nayya Snapshots API

The Snapshots API from Nayya — 1 operation(s) for snapshots.

Nayya Token API

The Token API from Nayya — 1 operation(s) for token.

Scroll for all 11

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Accounts Benefits API

OPEN COLLECTION

Accounts Benefits Carriers API

OPEN COLLECTION

Accounts Benefits Connections API

OPEN COLLECTION

Accounts Benefits Dependents API

OPEN COLLECTION

Accounts Benefits Employees API

OPEN COLLECTION

Accounts Benefits Employers API

OPEN COLLECTION

Accounts Benefits Enrollments API

OPEN COLLECTION

Accounts Benefits Recommendations API

OPEN COLLECTION

Accounts Benefits Rule Templates API

OPEN COLLECTION

Accounts Benefits Snapshots API

OPEN COLLECTION

Accounts Benefits Token API

OPEN COLLECTION

Scroll for all 11

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Configure benefits and get recommendations

AGENT SKILL

Onboard an employer and its population

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Nayya API Rules

58 rules · 49 errors 8 warnings 1 info

SPECTRAL

OpenAPI Overlays 3

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Nayya Accounts Overlay

1 action · update · nayya-accounts-openapi.json

DERIVED

Nayya Benefits Overlay

1 action · update · nayya-benefits-openapi.json

DERIVED

Nayya Choose Overlay

1 action · update · nayya-choose-openapi.json

DERIVED

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Nayya Authentication

http · 1 scheme

SECURITY

Nayya Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Nayya Vulnerability Disclosure

Hackerone · contact published

SECURITY

Nayya Trust Center

SOC 2, HIPAA

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Nayya Agentic Access

35 operations · 21 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

DataModel

Conformance

Components

Access & Security 6

Authentication, authorization, and security posture

Compliance

Compliance

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: nayya
name: Nayya
description: Nayya is an AI-powered health and wealth benefits decision-support platform used by employers, brokers, carriers,
  and benefits-administration partners to help employees choose and use their benefits. Its "Choose" experience delivers personalized
  plan recommendations, and its agentic adviser can answer benefits questions and file supplemental-health claims on an employee's
  behalf. Nayya exposes a partner-facing REST API — Nayya Integrate — with three surfaces (Accounts, Benefits, and Choose)
  that let integrators map employers, employees, and dependents, configure benefits, snapshot an employee's context, retrieve
  recommendations, and record enrollments, plus an embedded UI that partners drop into their own enrollment flow via SSO.
url: https://raw.githubusercontent.com/api-evangelist/nayya/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- felicis
- iconiq-capital
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://logo.clearbit.com/nayya.com
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Employee Benefits
- Insurance
- Insurtech
- Health
- Decision Support
- Human Resources
- Enrollment
- Recommendations
- Artificial Intelligence
tags_raw:
- Company
- Employee Benefits
- Insurance
- Insurtech
- Health
- Decision Support
- HR Tech
- Enrollment
- Recommendations
- Artificial Intelligence
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: nayya:nayya-benefits-api
  name: Nayya Benefits API
  description: The Benefits API from Nayya — 4 operation(s) for benefits.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Benefits
  properties:
  - type: OpenAPI
    url: openapi/nayya-benefits-api-openapi.yml
- aid: nayya:nayya-carriers-api
  name: Nayya Carriers API
  description: The Carriers API from Nayya — 1 operation(s) for carriers.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Carrier
  tags_raw:
  - Carriers
  properties:
  - type: OpenAPI
    url: openapi/nayya-carriers-api-openapi.yml
- aid: nayya:nayya-connections-api
  name: Nayya Connections API
  description: The Connections API from Nayya — 2 operation(s) for connections.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Connections
  properties:
  - type: OpenAPI
    url: openapi/nayya-connections-api-openapi.yml
- aid: nayya:nayya-dependents-api
  name: Nayya Dependents API
  description: The Dependents API from Nayya — 2 operation(s) for dependents.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Dependents
  properties:
  - type: OpenAPI
    url: openapi/nayya-dependents-api-openapi.yml
- aid: nayya:nayya-employees-api
  name: Nayya Employees API
  description: The Employees API from Nayya — 2 operation(s) for employees.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Employees
  properties:
  - type: OpenAPI
    url: openapi/nayya-employees-api-openapi.yml
- aid: nayya:nayya-employers-api
  name: Nayya Employers API
  description: The Employers API from Nayya — 3 operation(s) for employers.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Employers
  properties:
  - type: OpenAPI
    url: openapi/nayya-employers-api-openapi.yml
- aid: nayya:nayya-enrollments-api
  name: Nayya Enrollments API
  description: The Enrollments API from Nayya — 2 operation(s) for enrollments.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Enrollment
  tags_raw:
  - Enrollments
  properties:
  - type: OpenAPI
    url: openapi/nayya-enrollments-api-openapi.yml
- aid: nayya:nayya-recommendations-api
  name: Nayya Recommendations API
  description: The Recommendations API from Nayya — 1 operation(s) for recommendations.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Recommendations
  properties:
  - type: OpenAPI
    url: openapi/nayya-recommendations-api-openapi.yml
- aid: nayya:nayya-rule-templates-api
  name: Nayya Rule Templates API
  description: The Rule Templates API from Nayya — 1 operation(s) for rule templates.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Rule Templates
  properties:
  - type: OpenAPI
    url: openapi/nayya-rule-templates-api-openapi.yml
- aid: nayya:nayya-snapshots-api
  name: Nayya Snapshots API
  description: The Snapshots API from Nayya — 1 operation(s) for snapshots.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Snapshots
  properties:
  - type: OpenAPI
    url: openapi/nayya-snapshots-api-openapi.yml
- aid: nayya:nayya-token-api
  name: Nayya Token API
  description: The Token API from Nayya — 1 operation(s) for token.
  humanURL: https://docs.nayya.com/reference/create-employer
  baseURL: https://integrate.nayya.com/accounts
  tags:
  - Tokens
  tags_raw:
  - Token
  properties:
  - type: OpenAPI
    url: openapi/nayya-token-api-openapi.yml
common:
- type: CapabilityMap
  url: capabilities/nayya-capability-edges.yml
  name: Nayya Business Capability Map
- type: Overlay
  url: overlays/nayya-accounts-overlay.yaml
- type: Website
  url: https://nayya.com
- type: DeveloperPortal
  url: https://docs.nayya.com
- type: Documentation
  url: https://docs.nayya.com
- type: APIReference
  url: https://docs.nayya.com/reference/create-employer
- type: GettingStarted
  url: https://docs.nayya.com/docs/getting-started-with-choose
- type: Support
  url: https://support.nayya.com/
- type: Blog
  url: https://www.nayya.com/blog
- type: StatusPage
  url: https://status.nayya.com
- type: TermsOfService
  url: https://legal.nayya.com/end-user-terms/
- type: PrivacyPolicy
  url: https://www.nayya.com/privacy-policy
- type: Compliance
  url: https://trust.nayya.com/
- type: TrustCenter
  url: security/nayya-trust-center.yml
- type: DomainSecurity
  url: security/nayya-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/nayya-vulnerability-disclosure.yml
- type: Security
  url: https://trust.nayya.com/
- type: Authentication
  url: authentication/nayya-authentication.yml
- type: AgenticAccess
  url: agentic-access/nayya-agentic-access.yml
- type: Conventions
  url: conventions/nayya-conventions.yml
- type: ErrorCatalog
  url: errors/nayya-problem-types.yml
- type: Lifecycle
  url: lifecycle/nayya-lifecycle.yml
- type: DataModel
  url: data-model/nayya-data-model.yml
- type: Conformance
  url: conformance/nayya-conformance.yml
- type: Components
  url: components/nayya-components.yml
- type: X-MCPServerCandidate
  url: mcp/nayya-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/nayya-llms.txt
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 23
  pass: local-v1

Nayya API — frequently asked questions

Does Nayya have an API?

Yes. APIs.io lists 11 APIs from Nayya, including Nayya Benefits API, Nayya Carriers API and Nayya Connections API, and 8 more.

Is there an OpenAPI specification for the Nayya API?

Yes. APIs.io indexes 11 OpenAPI specifications for Nayya, each linked for download from this page.

How do I authenticate with the Nayya API?

Nayya uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Nayya Authentication.

Is the Nayya API ready for AI agents?

Nayya has a Kin Score of 52.6 out of 100 (developing) and an Agent Readiness score of 24.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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