Empowering the gig economy with automated, AI-driven income stability.

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Hackathon Context

The Problem: Gig workers operate on a "no-work-no-pay" reality. An unexpected rainstorm or urban disruption means zero earnings for the day, but their living costs remain the same.

GuideWire was conceptualized and built for DEVTrails 2026. We provide a Weekly Income Protection Model powered by data. It's not standard insurance; it's a parametric safeguard that sits in the worker's pocket. It uses OpenWeather and traffic APIs to monitor their zone. If external conditions hit a critical threshold, our AI fraud engine clears it in seconds, and lost wages are pushed immediately to their wallet via Stripe or Razorpay.

Value Proposition: Immediate, Zero-Motion liquidity for gig workers when the world outside stops them from working.

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Feature Highlights

Weekly Coverage	AI Fraud Engine
Pricing matched to gig payouts. Pay a micro-premium every Sunday. If disruption hits, you're covered for the entire week based on your tier.	Zero false positives. Contextual AI verifies GPS pings and historical delivery zones to ensure claims are 100% legitimate before automated payout.

Zero-Motion Claims	Underwriter Analytics
No paperwork. Claims are triggered by API events (e.g., severe rainfall threshold met). Funds hit your digital wallet instantly.	Real-time macro risk. Insurers get live heatmaps of active disruptions and up-to-the-minute loss ratios across all operating cities.

System Architecture

Our microservices architecture is built for high availability during localized weather/disruption events that cause massive spikes in concurrent claim processing.

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Tech Stack Visual Grid

Frontend

Backend & API

Database & Cache

Infrastructure & Deploy

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Project Structure

guidewire/
├── apps/
│   ├── web/                 # Next.js Insurer Dashboard
│   └── mobile/              # React Native Worker App
├── services/
│   ├── claim-engine/        # Python FastAPI + TensorFlow Claim Inference
│   ├── policy-api/          # Node.js Express Policy Management
│   └── payment-bridge/      # Stripe webhook handlers
├── infra/
│   ├── docker/              # Dockerfiles and Compose configs
│   └── k8s/                 # Kubernetes manifests
└── README.md                # You are here!

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Installation Guide

Prerequisites

• Node.js v18.x
• Python v3.10+
• Docker & Docker Compose
• API Keys: Stripe (Test Mode), OpenWeatherMap

Clone & Install

# Clone the repository
git clone https://github.com/guidewire/platform.git
cd platform

# Install Node dependencies
cd apps/web && npm install
cd ../../services/policy-api && npm install

# Install Python dependencies
cd ../claim-engine
python -m venv venv
source venv/bin/activate
pip install -r requirements.txt

Environment Configuration

Create a .env file in the root directory:

# Database
DATABASE_URL=postgresql://user:pass@localhost:5432/guidewire
REDIS_URL=redis://localhost:6379

# External APIs
STRIPE_SECRET_KEY=sk_test_...
OPENWEATHER_API_KEY=your_key...

Running the Application

Spin up the entire stack using Docker Compose:

cd infra/docker
docker-compose up -d --build

# The UI will be available at http://localhost:3000

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API Documentation

Method	Endpoint	Description	Auth Required
POST	/api/v1/auth/register	Register new gig worker persona.	❌
GET	/api/v1/policy/{worker_id}	Retrieve active weekly coverage.	✅
POST	/api/v1/claims/simulate	Manually trigger a disruption event.	✅

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Product Workflow

1. Onboarding: Driver registers via mobile app, selects "Food Delivery" persona.
2. Premium: Driver pays standard weekly premium via Stripe.
3. Disruption: External API detects a 50mm rainfall event in the driver's zone.
4. Inference: The Claim Service verifies the worker's active ping. The AI checks for fraud.
5. Settlement: Claim is approved in milliseconds.
6. Payout: Stripe pushes lost wages to the driver's bank account instantly.

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Roadmap

• Phase 1: Core microservices and Stripe Sandbox integration. (DEVTrails Seed)
• Phase 2: Predictive AI Fraud Engine training. (DEVTrails Scale)
• Phase 3: Working Web & Mobile UI + Load testing. (DEVTrails Soar)
• Q3 2026: Launch Multi-Persona coverage (Expanding to Freelance IT).
• Q4 2026: Integration with Decentralized Identity (Web3) for fraud immunity.

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Contribution Guide

We love open source and welcome contributions from the community!

Steps to Contribute:

1. Fork the repository and clone your fork.
2. Create a branch: git checkout -b feature/amazing-feature
3. Commit your changes following Conventional Commits.
   • feat: add biometric auth support
   • fix: resolve race condition in claim settlement
4. Push the branch to your fork.
5. Open a Pull Request against our main branch.

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Team

Navya M Lead & Product Manager

Manimozhi M Design & Documentation

Navodit N Web Application Developer

Mukilan M Research & Development

Priyan U System Architect

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_{Built with precision by the GuideWire Team for DEVTrails 2026.}