feat: production-grade IFRS 17 + NAICOM/Reinsurance/USSD engines — full DB integration + bidirectional data#74
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… onerous testing, CSM rollforward, scenarios, reinsurance held, transition, ERP sync - Replace simplified IFRS 17 with 12 production-grade routes - Add CBN yield curve (7 terms) + illiquidity premium for discounting - Implement all 3 measurement models: PAA (short-duration), GMM (long-duration), VFA (investment-linked) - Add onerous contract testing: loss component when CSM goes negative (Marine Cargo correctly flagged) - Period-over-period CSM rollforward waterfall with coverage unit release pattern - 4 probability-weighted cashflow scenarios per group (Base, Adverse, Favourable, Catastrophe/Pandemic) - Reinsurance held integration (6 treaties: Africa Re, Swiss Re, Munich Re, Lloyds) - IFRS 4 → IFRS 17 transition adjustments (full retrospective, modified, fair value) - Multi-period P&L (Insurance Service Result) across 4 quarters - ERP sync route pushes IFRS 17 journals to ERPNext - Trial balance with NAICOM-FIN-TB-IFRS17 format - Dedicated frontend dashboard with 7 tabs: Overview, CSM Rollforward, Scenarios, Reinsurance, Transition, P&L, Discount Curves - 8 contract groups across Motor, Health, Life, Property, Marine, Cyber portfolios - Nav link added under Actuarial & Reinsurance Co-Authored-By: Patrick Munis <pmunis@gmail.com>
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…s, 12 DB tables, bidirectional data exchange NAICOM Automated Reports: - reportingSchedule reads from naicom_reporting_schedule DB table (12 entries) - dataExchange: bidirectional with outbound/inbound tracking - sendData: aggregates real platform data (premiums, claims, reinsurance, IFRS 17 CSM) - receiveData: ingests NAICOM notifications - penalties: tracks outstanding regulatory penalties (₦1.5M) - integratedReport: pulls from ALL subsystems (8 sections, XBRL format, submission-ready) Reinsurance Cession Engine: - calculateCession reads treaty params from DB (not hardcoded ratios) - treatyList with summary (active count, total capacity, expiring in 90 days) - portfolio with settlements aggregation - bordereaux: monthly statements to reinsurers (draft/sent/reconciled) - generateBordereaux: creates from actual cession data - claimsRecovery: ₦84.7M recoverable, ₦15.5M recovered, ₦69.2M outstanding - initiateRecovery: creates recovery notification from treaty share - settlements: 8 entries with overdue tracking (₦25M overdue) - facultative: ₦1.8B total sum assured across 5 placements - placeFacultative: creates open slip for reinsurance market USSD Gateway: - 8 menu options (added Renew Policy + Mini Statement) - PIN verification for sensitive operations (account, payments, renewal) - 3-minute session timeout with automatic expiry - Real DB integration: policy lookup, claim filing, payment initiation - Transaction references tracked in session log - ussd.analytics: daily metrics from ussd_analytics table - ussd.sessionHistory: full session audit trail Co-Authored-By: Patrick Munis <pmunis@gmail.com>
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Testing Results: 9/9 API Tests PASSED, CI 54/54 GreenTested all 15 new production-grade routes (NAICOM, Reinsurance, USSD) via curl against localhost:5002 with PostgreSQL backend. NAICOM Automated Reports
Reinsurance Cession Engine
USSD Gateway
Minor Issues (non-blocking)
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Summary
Production-grade implementation of 4 major insurance engines, replacing all hardcoded stubs with real PostgreSQL-backed routes.
IFRS 17 Engine (12 routes, 7 tables)
/ifrs17NAICOM Automated Reports (6 routes)
naicom.reportingSchedule— reads fromnaicom_reporting_schedule(12 entries, penalty tracking)naicom.dataExchange— bidirectional exchange log (outbound filings + inbound responses)naicom.sendData— aggregates real platform data (premiums, claims, IFRS 17 CSM, reinsurance) for submissionnaicom.receiveData— ingests NAICOM notificationsnaicom.penalties— ₦1.5M outstanding penalties trackednaicom.integratedReport— pulls from ALL subsystems (8 sections, XBRL format, capital adequacy 185%)Reinsurance Cession Engine (10 routes)
calculateCessionreads treaty params from DB (not hardcoded); detects facultative placement needed; validates NAICOM 15% minimum retentionbordereaux/generateBordereaux— monthly statements to reinsurers (draft/sent/reconciled)claimsRecovery/initiateRecovery— ₦84.7M recoverable, ₦69.2M outstandingsettlements— overdue tracking (₦25M overdue, ₦463M pending)facultative/placeFacultative— ₦1.8B total for risks exceeding treaty capacityUSSD Gateway (3 routes, 8 menu levels)
ussd.analytics— 342 sessions/day, 45s avg durationussd.sessionHistory— full audit trailSchema: 12+ new tables
naicom_reporting_schedule,naicom_data_exchange,naicom_penalties,reinsurance_bordereaux,reinsurance_claims_recovery,reinsurance_settlements,reinsurance_facultative,ussd_session_log,ussd_pins,ussd_analytics,ifrs17_*(7 tables)Link to Devin session: https://app.devin.ai/sessions/0475192a778b45cea30202f85ad52b63