Scaling Paymigo: Workflows & Architecture for AI-Powered Income Protection | Guidewire DevTrials (Scale Phase)

During the Seed Phase of the Guidewire DevTrials, our team introduced Paymigo, an AI-powered parametric insurance platform. Our mission is to build a structured, automated safety net for urban food delivery partners, protecting them from sudden income loss caused by external disruptions like severe floods, hazardous pollution, or sudden government strikes. Now, in the Scale Phase, the challenge is moving from a conceptual prototype to a robust, production-ready system capable of handling real-time data ingestion, complex ML inference, and instant financial disbursements. To achieve this, we executed a major architectural pivot: migrating from a monolithic React/Django setup to a high-performance Next.js 14 and FastAPI Monorepo. Here is a comprehensive look at how we engineered our scalable folder structure and the automated workflows powering Paymigo. 🏗️ 1. The Monorepo Architecture: Why We Pivoted Handling real-time API polling alongside heavy ML computations requires strict separatio