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SYS_SHIELDDEPLOYEDFinTech_&_InsurTech

ShieldRoute

AI-powered parametric microinsurance for gig delivery workers — auto-pays riders when rain, heat, or platform outages trigger disruption.

ShieldRoute — FinTech_&_InsurTech project by SoulPlex Studios

Overview

ShieldRoute is an AI-powered parametric microinsurance platform built for gig delivery workers in India. Instead of claim forms and assessors, it uses real-world data triggers — heavy rain, extreme heat, pollution, platform outages, civil disruption — to automatically disburse payouts within seconds. Built for the Guidewire DEVTrails 2026 Hackathon, it covers 8 Mumbai micro-zones with hyper-local risk pricing.

Key features

  • Five parametric triggers: rain, heat, pollution, platform outage, civil disruption
  • Hyper-local pricing across 8 Mumbai micro-zones
  • Auto-disbursement in seconds — no claim forms
  • Three coverage plans (₹49–₹249/week)
  • Admin dashboard with fraud detection and P&L analytics
  • Real-time alerts via WhatsApp and push notifications

Pipeline

  1. 1

    Rider enrolls in weekly plan

  2. 2

    Real-time trigger sensors monitor conditions

  3. 3

    Threshold crossed → auto-payout triggered

  4. 4

    Razorpay disburses to rider wallet

  5. 5

    Admin dashboard logs and flags anomalies

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