Starting Phase 2 of Devtrails

Spent the last few weeks building GigGuard — a parametric insurance platform for Zomato and Swiggy delivery partners in India. The idea is simple: when it rains above 15mm/hr in your zone, you get paid automatically. No claim form. No waiting. Money in your UPI before you've dried off. Phase 1 shipped a full working demo — Next.js frontend, Node.js backend, PostgreSQL, and a Python ML service for dynamic premium pricing and fraud detection. Phase 2 has been the interesting part: replacing text-based zone matching with Uber's H3 hexagonal grid for sub-kilometre payout precision, wiring a Thompson Sampling contextual bandit that learns which coverage tier each worker segment is most likely to buy, and running a SAC reinforcement learning agent in shadow mode to self-tune premiums against our loss ratio target. The fraud detection problem turned out to be the hardest thing we tackled. GPS spoofing rings on Telegram are a real, organised threat to parametric insurance. Our answer was a Beh