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🛡️ FlowFix — AI-Powered Income Intelligence & Parametric Insurance for Gig Workers

FlowFix is a hyperlocal, AI-powered income protection system that detects earning dead zones in real-time and compensates gig workers instantly — before income loss becomes financial stress.

"We don't just insure income — we understand it, predict it, and protect it intelligently."

Guidewire DEVTrails 2026 | Team CodeStorm | Phase 1 Submission Persona: All Delivery & Gig Economy Partners — Pan-India


Pitch Deck

https://docs.google.com/presentation/d/1cWZ4sDzWSbpYPS_MoMvCZ6YMManmVMZO/edit?usp=drivesdk&ouid=109000361084008891459&rtpof=true&sd=true

1. 🔴 Problem Statement

India's ~11 million platform-based delivery partners (Swiggy, Zomato, Zepto) lose an estimated 18–25 working days per year due to external disruptions — heavy monsoon rain, extreme heat, toxic AQI, flash floods, and civic curfews.

What Happens What the Worker Gets
Cyclone hits coastal region, orders stop ₹0
AQI crosses 350, dangerous to breathe ₹0
44°C heatwave, roads empty ₹0
Flash flood, zone inaccessible ₹0

Core gaps in today's market:

  • No real-time income protection for environmental disruptions
  • Manual claim systems are slow, unreliable, and humiliating
  • GPS-only validation is trivially gameable by spoofing apps
  • Fixed payouts ignore actual income loss (peak vs. off-peak hours)
  • No system proactively helps workers avoid income loss before it happens

FlowFix closes all five gaps simultaneously.


2. ⏰ Why Now?

  • Rapid growth of gig economy (11M+ workers in India)
  • Increasing climate volatility (more frequent disruptions)
  • Rise of GPS spoofing fraud in location-based systems
  • Availability of real-time APIs + mobile sensors enabling parametric automation

FlowFix exists because technology has finally caught up with the problem.


3. 💡 Core Insight: Earning Impossibility, Not Just Bad Weather

Most solutions will build: Weather API threshold crossed → payout. That's single-signal, fraud-vulnerable, and city-level imprecise.

FlowFix's insight: What matters is whether this specific worker, in their specific 2km delivery zone, is physically and economically unable to earn right now.

We call this the Earning Dead Zone (EDZ) — a hyper-local, multi-signal state assessed every 15 minutes per zone. FlowFix doesn't measure rain. It measures earning impossibility.

⚠️ Coverage Golden Rule: LOSS OF INCOME ONLY. FlowFix strictly covers lost wages caused by external disruptions. Vehicle repairs, health bills, accidents, and life insurance are explicitly excluded. Every rupee paid out represents hours a worker could not earn — nothing else.


4. 👤 Target Persona: Pan-India Delivery & Gig Partners

Primary Persona — Murugan

  • Age 28 | Food delivery partner (Swiggy/Zomato) | Tier-1 City Urban Zone
  • 3 years on platform | Average weekly earnings: ₹4,200
  • Peak disruption months: Extreme Monsoons, Heatwaves, Cyclones
  • Current safety net: None

Secondary Persona — Priya

  • Age 34 | Part-time Q-commerce partner (Zepto/Blinkit) | Dense Urban Zone
  • Evening slots only | Average weekly earnings: ₹1,800
  • Cannot afford to lose even a single day — premium affordability is critical

Scenario: Murugan's Monday Morning

8:00 AM  — IMD issues Red Alert: 120mm rain expected in the city
8:07 AM  — FlowFix EDZ engine detects:
           Rain severity 0.88 + Platform orders down 72% + Zone riders offline 68%
           EDZ Score: 0.91 → AUTO-TRIGGER
8:17 AM  — Murugan receives: "₹50 bridge credited to UPI instantly"
           (emergency funds before full payout processing)
10:15 AM — Full ₹480 payout credited
           (AI-predicted loss ₹480 > fixed payout ₹200 → hybrid model picks higher)

Murugan did: Absolutely nothing. Zero claim filing. Zero paperwork.

5. 🔄 System Workflow

┌──────────────────────────────────────────────────────────────┐
│                      ONBOARDING                              │
│  Register (Phone + Aadhaar) → Platform ID Verification       │
│  AI Risk Profiler → Zone Risk Score (0–100)                  │
│  Dynamic Premium Calculated → Weekly Policy Activated        │
└──────────────────────────────────────────────────────────────┘
                            ↓
┌──────────────────────────────────────────────────────────────┐
│              REAL-TIME EDZ MONITORING (every 15 min)         │
│  5 signals collected per zone → EDZ Score computed           │
│  EDZ ≥ 0.78 → Claim pipeline triggered                       │
└──────────────────────────────────────────────────────────────┘
                            ↓
┌──────────────────────────────────────────────────────────────┐
│           TRUSTSCORE AI ENGINE (Fraud Detection)             │
│  Behavioral DNA + Device signals + Network + Crowd analysis  │
│  TrustScore 0–100 computed                                   │
└──────────────────────────────────────────────────────────────┘
                            ↓
┌──────────────────────────────────────────────────────────────┐
│         CONFIDENCE-BASED HYBRID PAYOUT PIPELINE              │
│  Payout = max(Fixed Amount, AI-Predicted Income Loss)        │
│  TrustScore ≥ 85 → ₹50 bridge (10 min) + Full payout (2 hr) │
│  TrustScore 60–84 → Soft check-in → 6hr payout              │
│  TrustScore < 60  → 50% instant + 12hr review + appeal      │
└──────────────────────────────────────────────────────────────┘
                            ↓
┌──────────────────────────────────────────────────────────────┐
│              POST-EVENT INTELLIGENCE                         │
│  Worker: Explainable payout breakdown + 48hr forecast        │
│  AI Coach: Personalized income optimization insights         │
│  Insurer: Zone analytics, fraud flags, pool health           │
└──────────────────────────────────────────────────────────────┘

6. 💰 Weekly Pricing Model — 3-Layer AI Premium Engine

Why Weekly?

Gig workers live week-to-week. A ₹100/month premium requires planning they don't have. A ₹29/week premium is a Tuesday decision.

Formula

Final Premium = Base Rate × Zone Risk Multiplier × Personal Risk Modifier

Layer 1 — Base Rate by Segment:

Delivery Type Base Weekly Premium
Food Delivery (Swiggy / Zomato) ₹25
Q-Commerce (Zepto / Blinkit) ₹30
E-Commerce (Amazon / Flipkart) ₹20

Layer 2 — Zone Risk Multiplier (AI-scored from 5-year historical data):

Zone Score Multiplier Range Zone Type
0–30 Low 0.8x ₹16–₹20 Inland, elevated, flood-resilient
31–60 Medium 1.0x ₹20–₹30 Urban core, moderate history
61–80 High 1.4x ₹28–₹42 Coastal, low-lying, flood-prone
81–100 Extreme 1.8x ₹36–₹54 Cyclone corridor

Layer 3 — Personal Risk Modifier:

Factor Adjustment
Platform tenure > 18 months −10%
Claim-free for 12+ weeks −8%
High earnings consistency −5%
New user (< 4 weeks) +15%
Prior flagged claim +20%

Worked Example — Murugan, Urban Zone:

Base:            ₹25 (Food delivery)
Zone multiplier: 74/100 → 1.4x = ₹35
Personal:        3yr tenure (−10%) + 8wk claim-free (−8%) = −₹6.30
Final premium:   ₹28.70 → rounded to ₹29/week

Fairness guardrail: Premium cannot increase more than 25% week-over-week for existing users.

How FlowFix Works (End-to-End)

  1. Worker subscribes to weekly plan (₹20–₹30)
  2. System continuously calculates EDZ score using 5 real-time signals
  3. If EDZ ≥ 0.78 → disruption automatically detected
  4. TrustScore validates worker authenticity
  5. Instant ₹50 bridge + full payout (≤ 2 hrs)

7. ⚡ Parametric Trigger System

The 3-Source Rule

Any trigger requires independent confirmation from ≥ 3 data sources. No single source ever triggers a payout.

Disruption Threshold Sources Required Base Payout
Heavy Rainfall IMD Red Alert OR >50mm/6hr IMD + OpenWeatherMap + Platform order drop ≥55% ₹200/day
Extreme Heat >42°C for 4+ hours IMD + WHO advisory + Platform order drop ≥40% ₹150/day
Toxic AQI AQI >300 for 6+ hours CPCB alert + IMD + Zone peer cluster offline ₹100/day
Cyclone / Storm IMD cyclone alert within 100km IMD + NDMA + Platform ops suspended ₹300/day
Flash Flood NDMA alert + road closures NDMA + Google Maps closures + Zero active riders in zone ₹250/day
Civic Curfew Official order confirmed Government alert + Platform ops suspended + Civic API ₹200/day
Local Strike Verified local strike / bandh affecting zone News API + Google Maps closures + Platform order drop ≥60% ₹200/day
Market / Zone Closure Sudden closure of pickup/drop zone Platform zone status = closed + Google Maps + Peer cluster offline ₹150/day

8. 🧠 AI/ML Architecture

Model 1: Zone Risk Scoring

  • Algorithm: XGBoost Regressor
  • Features: Elevation, proximity to water bodies, 5-year flood frequency, AQI trend, heat island intensity, historical claim rate
  • Output: Zone Risk Score (0–100) → premium tier
  • Update cycle: Monthly re-scoring

Model 2: Dynamic Premium Calculator

  • Algorithm: Gradient Boosted Regression + actuarial loss-ratio correction layer
  • Output: Weekly premium in INR, enforcing the 25% week-over-week cap

Model 3: EDZ Engine (Core Innovation)

EDZ_Score = (
    0.30 × weather_signal_score      # Hyperlocal severity vs. 5yr baseline
  + 0.25 × platform_order_signal     # % drop vs. 4-week avg for this hour
  + 0.20 × peer_cluster_signal       # % of zone riders offline vs. normal
  + 0.15 × civic_disruption_signal   # Road closures, alerts, curfews
  + 0.10 × worker_activity_signal    # Worker's own app state (privacy-safe)
)

# Trigger threshold: EDZ ≥ 0.78
# Adaptive: threshold rises when pool < 30% capacity (prevents insolvency)

Model 4: TrustScore AI Engine (Fraud Detection)

TrustScore = (
    0.30 × movement_authenticity     # Speed, route consistency, accelerometer
  + 0.25 × device_integrity          # Root/emulator detection, GPS app detection
  + 0.20 × network_validation        # IP vs GPS mismatch, WiFi vs mobile data
  + 0.15 × behavioral_pattern        # Work history, timing, session consistency
  + 0.10 × environmental_validation  # API cross-verification
)

Duplicate Claim Prevention:

  • Each worker can trigger only one claim per active disruption event (keyed by zone + event ID)
  • If the same disruption persists across multiple days, each calendar day is a separate claimable unit with a 24-hour cooldown per worker
  • Cross-worker deduplication: if the same device fingerprint appears under multiple accounts, both are flagged for manual review

Model 5: Income Loss Prediction (Hybrid Payout Engine)

  • Algorithm: Gradient Boosting Regressor
  • Features: Historical earnings by hour-of-day, disruption severity, zone delivery density, peak vs. off-peak timing
  • Output: AI-predicted rupee loss per hour of disruption
  • Payout formula: Final Payout = max(Fixed Base Payout, AI-Predicted Loss)

Model 6: Predictive Risk Advisor

  • Algorithm: Prophet time-series forecasting
  • Output: 48-hour forward disruption risk per zone → push notifications + Smart Advisory

9. 🛡️ Adversarial Defense & Anti-Spoofing Strategy

The Threat

A coordinated syndicate of workers uses GPS spoofing apps to fake their location inside a declared red-alert zone while sitting at home, triggering mass false payouts and draining the liquidity pool.

Why FlowFix is Structurally Resistant

8.1 The Differentiation: Genuine Partner vs. Spoofer

GPS is only 0.10 of the EDZ Score. A spoofer who fakes GPS but cannot fake the other 4 signals scores ≈ 0.10 — far below the 0.78 trigger threshold.

Signal Genuine Worker in Disaster Fraudster at Home
GPS Location In flood zone Faked to flood zone ✅
Accelerometer Motion, vehicle vibration Stationary ❌
Battery drain High (navigation active) Normal / charging ❌
Network type Intermittent mobile, tower-switching Stable home WiFi ❌
Cell tower Moving across towers Fixed home tower ❌
Platform app state Offline with active location pings Artificially set offline ❌

The "Couch Spoofer" signature:

Stable WiFi + stationary accelerometer + phone charging + spoofed GPS
→ Fraud Probability: 94%

8.2 The Data: Beyond GPS

Behavioral DNA Fingerprinting: Built over each worker's first 4 weeks. Baseline includes: typical active hours, delivery speed, zone movement, app interaction patterns. During a claimed disruption, device behavior is compared against what a genuinely stranded worker looks like vs. someone at home with a spoofing app running.

Synchronized Offline Attack Detection:

  • Genuine monsoon: riders go offline gradually over 30–90 minutes as conditions worsen
  • Syndicate attack: >65% of zone riders go offline within the same 5-minute window
  • Our system flags synchronized offline spikes as a "coordinated event" and escalates to the Fraud Surge Shield

Social Graph Clustering: Workers who share referral trees + joined within 2 weeks of each other + claim the same event → elevated syndicate risk score, flagged for human review

8.3 Fraud Surge Shield Mode

Automatically activates when zone claim velocity exceeds 3× the 4-week historical average:

Surge Shield Active:
  → TrustScore threshold raised: 60 → 75
  → Payouts staged: 50% instant, 50% post-verification
  → Graph clustering scan activated on all zone claimants
  → All new claims from that zone enter verification queue
  → Pool cap enforced: max event payout = Pool Balance × 0.40

This contains a coordinated attack without penalizing genuine workers in other zones.

8.4 UX Balance: Fairness for Honest Workers

PAYOUT DECISION TREE

TrustScore ≥ 85 | 0 fraud flags
→ ₹50 bridge in 10 min + Full payout in 2 hours ✅ (zero friction)

TrustScore 65–84 | 1 soft flag
→ 1 WhatsApp: "Send a location photo"
→ Full payout within 6 hours ✅

TrustScore 45–64 | 2+ flags
→ 50% auto-released immediately
→ 50% held for 12-hour review + appeal ✅

TrustScore < 45
→ Claim held + human review within 6 hours
→ Full appeal available in app ✅

NETWORK GRACE WINDOW:
Complete offline in a declared disruption zone
→ Assumed genuine for 45 minutes
→ Re-evaluated on reconnection
→ Going dark is NOT suspicious; faking pings at home IS

FALSE POSITIVE LOOP:
Every honest worker wrongly flagged → appeal vindicates them
→ Their data improves the model
→ Fraud detection gets better every week

10. 🌟 Advanced Innovation Features (FlowFix Intelligence Layer)

Feature 1: Smart Work Advisory Engine

Proactive 48-hour risk forecast pushed to the worker's app with actionable guidance:

🌧️ Heavy rain predicted in Velachery zone tomorrow 2–8 PM
✅ Your policy covers this if triggered
💡 Tip: Complete peak-hour deliveries before 1 PM to maximize earnings
   Forecast trigger probability: 78%

Transforms FlowFix from a passive insurance product into an active financial planning tool for workers who live day-to-day.


Feature 2: Zone-Based Community Trust Score

Workers in the same delivery zone share a collective trust score based on their zone's claims history.

Zone Trust Score ↑ → Premium ↓ + Faster payouts + Reduced verification
Zone Fraud ↑      → Premium ↑ + Stricter validation
  • Low-fraud zones unlock: −5% premium discount for all members + priority payout processing
  • High-fraud zones: slight premium increase + mandatory soft-flag check on all claims

Creates a self-regulating ecosystem — workers in the same zone have a collective financial incentive not to defraud, because it affects everyone's premium and payout speed.


Feature 3: Earnings Continuity Bridge

Workers in EDZ ≥ 0.90 events receive an instant ₹50 bridge payment credited within 10 minutes — before full payout processing completes.

The worker stranded in a flood doesn't need ₹200 in 2 hours. They need ₹50 in 10 minutes for a meal, water, or transport to safety.

Full payout follows in the standard 2-hour window. The bridge is a psychological and practical safety signal — money arrives before the worker starts worrying.


Feature 4: Adaptive Liquidity Management

Max Event Payout = Pool Balance × 0.40

If total triggered claims > Max Event Payout:
  → Pro-rata distribution to all affected workers
  → Remaining payout logged as deferred liability
  → Auto-recovered from next week's premium inflows
  → Workers notified with exact recovery timeline

Pool health is visible in the worker's app — full transparency, zero surprises. Prevents insolvency without silently shorting workers.


Feature 5: Income Floor Guarantee (New — User-First Protection)

Ensures a worker never falls below a guaranteed weekly income threshold, regardless of how many disruption events occurred.

If Weekly Earnings < Guaranteed Floor Threshold:
    FlowFix pays the difference

Example:
  Murugan's expected weekly earnings:  ₹4,000
  Actual earnings after disruptions:   ₹2,800
  FlowFix pays:                      ₹1,200

Why this is different: Standard parametric insurance pays per trigger event. The Income Floor Guarantee is a weekly safety net — it looks at the full week and ensures cumulative losses are covered even if no single disruption crossed an individual threshold.

This converts FlowFix from a trigger-based insurance product into a weekly income stability system.


Feature 6: Hyperlocal Reality Index (Zone Intelligence Layer)

Every delivery zone gets a real-time Livability Score (0–100) updated every 15 minutes, combining:

Zone A (Low-lying) → 22  (Severe disruption — avoid)
Zone B (Urban core) → 65  (Moderate — proceed with caution)
Zone C (Elevated)  → 80  (Safe — good earning conditions)

Score inputs: Weather severity × 0.35 + Delivery activity level × 0.25 + Traffic conditions × 0.20 + Active worker presence × 0.20

What it enables:

  • Workers make informed zone-switching decisions before wasting travel time
  • The app suggests nearby safer zones with estimated earning potential
  • Visualized as a live heatmap in the worker dashboard

This is the EDZ engine made visible and actionable — workers don't just get compensated after a bad event, they can avoid the bad event entirely.


Feature 7: Explainable AI Payout System (New — Trust & Transparency Layer)

Every payout comes with a full, plain-language breakdown — no black box:

Your payout: ₹230

Breakdown:
  Rain severity impact    → ₹120
  Peak-hour disruption    → ₹80
  Zone intensity factor   → ₹30

Triggered by:
  ✅ IMD Red Alert confirmed
  ✅ Platform orders dropped 68% in your zone
  ✅ 71% of nearby riders went offline

Why this matters:

  • Workers understand exactly what they're being paid and why
  • Builds trust that the system is fair, not arbitrary
  • Creates an audit trail for dispute resolution
  • Satisfies ethical AI and regulatory transparency requirements

Workers who understand their payout are more likely to renew. Transparency is retention.


Feature 8: AI Risk Coaching Engine (New — Behavior Optimization)

Personalized weekly insights delivered to the worker, focused on income optimization:

⚠️ You lost ₹320 last week due to working during the heatwave peak (12–3 PM)

💡 Suggested schedule adjustment:
   Start shift at 7 AM instead of 11 AM
   → Expected weekly gain: +₹180

📍 Zone recommendation:
   Adjacent Zone B showed 40% higher order density last Tuesday
   → Consider shifting 2 sessions there this week

What the model analyzes:

  • Worker's earnings vs. timing over 8 weeks
  • Zone-level order density by time-of-day
  • Disruption patterns correlated with shift schedules
  • Peer earnings benchmarking (anonymized)

The philosophical shift:

  • ❌ Old insurance model: you lose income → we compensate
  • ✅ FlowFix model: we predict the loss → coach you to avoid it → compensate what's unavoidable

This moves FlowFix from loss compensation to income optimization. Workers who use the coaching feature earn more even without triggering a claim — which builds loyalty and reduces churn.


11. 💸 Hybrid Fairness Payout Model

Final Payout = max(Fixed Base Payout, AI-Predicted Income Loss)

Why this is fairer:

Worker Fixed Payout AI-Predicted Loss Final Payout
Murugan (high earner, peak hours) ₹200 ₹480 ₹480 ✅
Priya (part-time, off-peak hours) ₹200 ₹90 ₹200 ✅
New worker (no earnings history) ₹200 Zone avg used ₹200 ✅
  • High earners disrupted during peak hours get compensated for their actual loss
  • Low earners always receive the minimum fixed payout as a floor
  • New workers with no earnings history use zone-average income as baseline

12. 📊 Insurer Analytics Dashboard

Metric Description
Live EDZ Map Heatmap of all zones — current EDZ scores (green/yellow/red)
Claim Velocity Monitor Claims/hour vs. 4-week avg — Surge Shield alert at >3x
Liquidity Pool Health Balance, projected 7-day exposure, reserve ratio
TrustScore Distribution Fraud flag rate, % resolved genuine, % confirmed fraud
Premium vs. Payout Ratio Rolling 4-week actuarial health (target: >2.5:1)
False Positive Tracker Appeals filed, resolved genuine — monitors model fairness
Zone Trust Score Map Community trust heatmap by delivery zone
Income Floor Activations How often the floor guarantee triggered vs. event triggers

13. 🏗️ Tech Stack

Layer Technology Justification
Web Frontend React + Vite + TailwindCSS Fast, modern web application for workers
Backend API Django (Python) Robust framework for complex logic and API delivery
Database PostgreSQL + Redis (via Daphne/Channels) Scalable data storage and real-time WebSockets
ML Models Python + Scikit-learn / XGBoost Integrated directly or via microservices
Real-time Engine Django Channels Handles real-time telemetry and EDZ updates natively
Weather IMD API (primary) + OpenWeatherMap IMD most accurate for Indian hyperlocal data
Traffic Data Google Maps Traffic API (mock) Detects road closures, congestion for zone accessibility
Civic Alerts NDMA API + Google Maps Road Closures Dual-source civic disruption confirmation
Platform Mock Simulated REST API + Mock Data Mimics platform order volume + operational status
Payments Razorpay UPI (sandbox) Best UPI rails for instant gig worker payouts
Notifications WhatsApp Business API (Meta) Higher open rate than SMS among gig workers
Dashboard React + Plotly/Recharts High-performance visualization in the frontend

14. 📁 Repository Structure

FlowFix-app/                  # React (Vite) Frontend
├── src/
│   ├── components/             # Reusable UI components (IntelligenceGrid, etc.)
│   ├── pages/                  # Main views (Dashboard, Claims, Profile)
│   ├── context/                # Global state management
│   ├── config/                 # Environment and API configurations
│   └── utils/                  # Helper functions
├── public/                     # Static assets
└── vite.config.js              # Vite configuration

FlowFix/                      # Django Backend
├── apps/                       # Organized Django applications
│   ├── analytics/              # Real-time dashboard data and EDZ scoring
│   ├── claims/                 # Disruption detection & claim processing
│   ├── monitoring/             # Telemetry & GPS tracking system
│   ├── payouts/                # Razorpay and ledger management
│   ├── policies/               # Weekly coverage and premium logic
│   └── users/                  # Custom gig worker profiles & KYC
├── FlowFix/                  # Core Django project settings
│   ├── asgi.py                 # Daphne ASGI configuration
│   ├── settings.py             # Main configuration
│   ├── urls.py                 # Core routing
│   └── api_urls.py             # Unified API routing
├── monitoring_handbook.md      # Telemetry docs
├── run_daphne.ps1              # Script to run async server
└── manage.py                   # Django execution

15. 🗓️ Development Roadmap

Phase 1 — Ideation & Foundation ✅ (Current)

  • Problem research + persona definition
  • EDZ architecture + anti-spoofing strategy
  • Pricing model + parametric trigger design
  • Full feature architecture
  • Mock API server (Platforms, IMD, NDMA, CPCB, Razorpay)
  • Synthetic training dataset generation

Phase 2 — Core Build

  • Worker onboarding (KYC + Platform ID + zone detection)
  • 3-layer premium calculation engine
  • EDZ engine with 5-signal aggregation (mock data)
  • Auto-trigger → UPI payout pipeline
  • Earnings Continuity Bridge (₹50 instant advance)

Phase 3 — Intelligence Layer

  • TrustScore fraud detection model
  • Income Loss Prediction model (hybrid payout)
  • Income Floor Guarantee engine
  • Smart Work Advisory (48hr forecast)
  • Hyperlocal Reality Index (Livability Map)
  • Explainable AI payout breakdown

Phase 4 — Optimization & Demo

  • AI Risk Coaching engine (personalized insights)
  • Zone Community Trust Score system
  • Fraud Surge Shield mode
  • Insurer analytics dashboard
  • End-to-end demo: Murugan's Indian monsoon scenario
  • Final documentation + presentation

16. 🚫 Explicitly Out of Scope

  • ❌ Vehicle repair or maintenance payouts
  • ❌ Health insurance or accident medical bills
  • ❌ Life insurance or disability coverage
  • ❌ Monthly pricing (all premiums are weekly only)

17. 📌 Why FlowFix Wins

Dimension Generic Solution FlowFix
Trigger City-level weather API Hyperlocal 5-signal EDZ engine
Fraud defense GPS verification Behavioral DNA + syndicate graph detection
Claim process Worker files a form Fully automatic — zero action needed
Payout fairness Fixed amount max(fixed, AI-predicted actual loss)
Income protection Per-event payout Weekly Income Floor Guarantee
Payout speed 24–72 hours ₹50 bridge in 10 min + full payout in 2 hrs
Transparency No explanation Explainable AI breakdown per rupee
Worker value Passive insurance Income protection + optimization + coaching
Anti-spoof GPS check 4 non-spoofable signals required
Community Individual policy Zone Trust Score with collective incentives

FlowFix is not just insurance. It is a real-time income protection and optimization system built for workers who cannot afford uncertainty.

By combining: Hyperlocal AI risk detection Fraud-resilient trust architecture Instant liquidity support Predictive income coaching FlowFix transforms insurance from a reactive payout system into a proactive financial safety net.

In a country where millions live week-to-week, FlowFix ensures that a bad day doesn’t become a bad week.


Built by Team CodeStorm for Guidewire DEVTrails 2026 — "AI-Powered Insurance for India's Gig Economy" Persona: All Delivery & Gig Economy Partners | Primary Zone: Pan-India


18. 🚀 Running Locally & Dependencies

This system operates as a separated frontend (React) and backend (Django). Both need to be running concurrently for the application to function.

Prerequisites & Dependencies

  • Node.js (v18+) and npm
  • Python (v3.10+)
  • Frontend Dependencies: React 18, Vite, TailwindCSS, React Router DOM, Recharts
  • Backend Dependencies: Django 5.0, Django REST Framework, Django Channels (WebSockets for real-time telemetry), Celery (async tasks), PostgreSQL/SQLite3 (local dev uses SQLite by default)
  • Payments / Razorpay: razorpay==1.4.1 is already included in requirements.txt; no extra Python package is needed right now for the current backend-led payout flow.
  • Razorpay Environment Variables: RAZORPAY_KEY_ID and RAZORPAY_KEY_SECRET must be set in the backend environment before enabling live payment processing.
  • Frontend Payment Note: the current React app does not require a separate npm payment package yet. If a browser-side Razorpay checkout is added later, it will need the official Razorpay checkout script or a thin wrapper, not a new backend dependency.

Important Local Notes

  • Run backend and frontend in separate terminals.
  • Apply backend migrations before starting the server after any model change.
  • Use python manage.py seed_gigshield --city=Chennai if demo users are missing.
  • Login uses platform_id, not phone number.
  • For local payment testing, leave Razorpay keys blank unless you are intentionally testing live payments.
  • If WebSockets do not connect, use Daphne/Channels instead of plain runserver.

1. Setting up the Backend (Django)

Open a terminal and execute the following:

# Navigate to the backend directory
cd gigshield

# Create and activate a virtual environment (recommended)
python -m venv venv
# On Windows:
venv\Scripts\activate
# On Mac/Linux:
# source venv/bin/activate

# Install all required Python dependencies
pip install -r requirements.txt

# Apply database migrations
python manage.py migrate

# Start the Django development server
python manage.py runserver

The backend API will now be running at http://localhost:8000.

2. Setting up the Frontend (Vite + React)

Open a new terminal window and execute the following:

# Navigate to the frontend application directory
cd gigshield-app

# Install all required Node packages
npm install

# Start the Vite development server
npm run dev

The frontend dashboard will now be running at http://localhost:5173. Open this URL in your browser to view the application!

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