Organisation Product Roadmap
Complete delivery timeline for the ktayl solution IS — the simulated insurance company information system built on the minicloud platform. Organised by quarter with dependency chains and ownership.
Full application catalogue → Business Applications Catalog
Legend
| Badge | Meaning |
|---|
| ✅ Live | Deployed and operational |
| 🔨 Q1 2027 | Certification core — October 2026 → March 2027 |
| 🔨 Q2 2027 | Certification phase 2 — April → September 2027 |
| 📋 Q3 2027 | Post-cert expansion — Underwriting, IP, Distribution |
| 📋 Backlog | Scoped, not yet scheduled |
| 🔬 Research | Advanced / domain-depth — post-certification |
All infrastructure underpinning every business application.
5-node k3s (4× ThinkPad + 1× MacBook Pro)
├── ArgoCD app-of-apps (54 applications)
├── Authentik OIDC (SSO for all apps)
├── Harbor registry (all CI images)
├── Vault (secrets, PKI)
├── Longhorn + MinIO (storage + backups)
├── Grafana + Loki + Tempo (observability)
├── Temporal (workflow orchestration)
├── n8n (business automation)
├── LiteLLM + vLLM + minicloud-agent + minicloud-crew-agent (AI stack)
├── ERPNext — HR, PCG 2025, TSCA, Factur-X (ERP)
├── Stalwart mail, Matrix, Jitsi (communication)
└── Docuseal (e-signature)
Roadmap Timeline
NOW
│
┌───────────────┼───────────────────────────────────┐
│ │ │
Oct 2026 Apr 2027 Oct 2027+
│ │ │
┌─────▼─────┐ ┌──────▼──────┐ ┌────────▼────────┐ ┌──▼──────────┐
│ Q1 2027 │ │ Q2 2027 │ │ Q3 2027 │ │ Post-cert │
│ CERT │ │ CERT P2 │ │ UW + IP + Dist│ │ IS Expan. │
└───────────┘ └─────────────┘ └─────────────────┘ └─────────────┘
Q1 2027 — Certification Core (RNCP39583 BC02)
Primary evidence for the RNCP39583 certification. Four microservices + accessibility audit.
Dependency chain:
ERPNext HR (✅ live)
└──► ktayl-policy-service (Go) ────────────────────┐
│ │
└──► ktayl-claims-service (Java 21) │
│ │
└──► ACPR COREP pipeline │
▼
Authentik OIDC (✅ live) ──────────────────► ktayl-portal (Next.js 14)
│
└──► RGAA 4.1 audit
| Deliverable | Stack | Issue | Description |
|---|
| ktayl-policy-service | Go | #203 | Policy lifecycle: create, amend, renew, cancel, document generation |
| ktayl-claims-service | Java 21 / Spring Boot 3 | #198 | FNOL → investigation → settlement state machine + COREP bordereau |
| ktayl-portal | Next.js 14 / TypeScript | #202 | Unified policyholder + broker portal, Authentik role-based views, SSR |
| RGAA 4.1 accessibility audit | axe-core / Lighthouse CI | #204 | Mandatory BC02 deliverable on ktayl-portal |
| ACPR COREP pipeline | Spring Batch (in claims-service) | #83 | Automated COREP/XBRL/ORSA generation |
Q2 2027 — Certification Phase 2
AI layer, billing, and supporting infrastructure that complete the certification scope.
Dependency chain:
ktayl-claims-service (Q1)
└──► ktayl-ai-claims-assistant (Python/LangGraph) ──► NATS JetStream (✅ live)
└──► Paperless-ngx DMS ──► claims document archive
└──► CLM-PAY-1 SEPA payment ──► ERPNext accounting (✅ live)
ERPNext CRM + billing config ──► premium invoicing + renewal
Insurance attestation PDF ──► QR-code verification at bind
| Deliverable | Stack | Issue | Description |
|---|
| ktayl-ai-claims-assistant | Python / LangGraph | #200 | AI triage, fraud scoring, human-in-loop via NATS events |
| ERPNext CRM config | Frappe | #53 | Prospect pipeline, devis lifecycle, renewal management, broker commissions |
| ERPNext billing | Frappe | #54 | Premium invoicing, payment tracking, claims payment accounting |
| Paperless-ngx DMS | Docker + Longhorn | #76 | Compliant document archive — policy contracts + settled claim documents |
| Claims indemnification SEPA | Go / SEPA | #211 | Outbound SEPA credit transfer to claimants + ERPNext entries |
| Insurance attestation PDF | Python | #116 | Auto-generate certificates with QR verification at policy bind |
Q3 2027 — Underwriting, International Programs & Distribution
The three major IS gaps closed in this phase. See dedicated pages for architecture detail.
Dependency chain:
minicloud-crew-agent (✅ live) ──► UW AI agents (Document/Risk/Compliance)
markitdown-proxy (✅ live) ──────► UW document extraction
n8n (✅ live) ───────────────────► broker intake + missing-doc requests
Temporal (✅ live) ──────────────► underwriting-workflow state machine
│
▼
ktayl-uwb-api (Go) ──► ERPNext policy bind
│
▼
ktayl-uwb-ui (React) ── Underwriter Workbench
ktayl-policy-service (Q1) ──► IP data model extension
│
▼
ktayl-ip-portal (Go/React) ── PO ↔ SO hub
│
▼
ERPNext IP bordereau module
| Deliverable | Stack | Issue | Description |
|---|
| ktayl-uwb-api | Go | #81 | Rules engine, authority routing, pricing, quote generation |
| ktayl-uwb-ui | React / TypeScript | #81 | Underwriter Workbench single-screen — AI findings + decision buttons |
| UW AI agents | Python / CrewAI | #81 | Document + Risk + Compliance agents (extends minicloud-crew-agent) |
| underwriting-workflow | Temporal | #81 | State machine: SUBMITTED → INTAKE → EXTRACTED → ASSESSED → BOUND |
| ktayl-ip-portal | Go / React | #222 | GNP equivalent — PO ↔ SO hub, IP policy sync, reserve coordination |
| IP bordereau module | ERPNext / Frappe | #222 | IP cession bordereaux → ERPNext accounting écritures |
| SO claims feed | Go (in ip-portal) | #222 | Inbound claim notifications from Servicing Offices |
| Premium collection lifecycle | n8n + ERPNext | #91 | UW trigger → SEPA mandate → online payment → suspension |
| ORIAS broker verification | Python | #104 | Automated credential check before accepting broker business |
| UW authority matrix | Go (in uwb-api) | #231 | Binding authority per LOB, enforced routing, escalation chain |
| Actuarial pricing engine | Python | #101 | Statistical premium rating per LOB — replaces manual Excel tariff grids |
Post-Certification — IS Expansion
After RNCP39583 is complete. No fixed dates — ordered by IS priority.
Claims Extended
| Deliverable | Stack | Issue |
|---|
| Loss adjuster management | Go / React | #212 |
| Subrogation management | Go | #214 |
| SIU fraud investigation | Workflow + ALFA | #217 |
| Contentieux / litigation | Case management | #226 |
Reinsurance & Actuarial
| Deliverable | Stack | Issue |
|---|
| Reinsurance management | Go | #102 |
| Reinsurer bordereau portal | Go / React | #209 |
| Actuarial reserving tool | Python | #207 |
LOB Extensions
| Deliverable | Issue |
|---|
| Marine & Transport | #218 |
| Construction & Engineering | #219 |
| Financial Lines (D&O / RC Pro) | #220 |
| Collaborateurs | #221 |
| Deliverable | Stack | Issue |
|---|
| Global Data Platform | ClickHouse + dbt + Metabase | #152 |
| Insurance KPI dashboard | Grafana / Metabase | #82 |
| GCP BigQuery | BigQuery (free tier) | #168 |
Identity & Compliance
| Deliverable | Stack | Issue |
|---|
| MidPoint IGA | Docker | #205 |
| AML/KYC compliance | Python | #113 |
| GDPR workflows | n8n | #84 |
| DDA/IDD training LMS | Moodle | #114 |
| PAM (Teleport + Vault SSH) | k3s | #151 |
Distribution & Commercial
| Deliverable | Stack | Issue |
|---|
| Commercial Insurance CRM | ERPNext CRM | #92 |
| Delegated underwriting authority | Workflow | #225 |
| Co-insurance / pool management | Go | #224 |
| Customer-facing AI chatbot | Python / LangGraph | #115 |
| VoIP / call center | Asterisk + FreePBX | #105 |
Research Pipeline
Long-horizon items. No delivery date committed.
| Item | Stack | Issue | Why it matters |
|---|
| Domain-specific LLM fine-tune | MLflow + vLLM | #123 | French insurance & regulatory corpus — specialist model |
| Catastrophe modelling | Python | #215 | Nat cat aggregate exposure, Solvency II SCR |
| COBOL actuarial rating engine | GnuCOBOL + REST wrapper | #148 | Legacy system demo — IBM z/OS credential evidence |
| Algorithmic Cyber Underwriter | Python / AI | #150 | AI-driven cyber risk assessment + pricing |
| Corporate risk intelligence agent | Python / LangGraph | #210 | Pre-UW due diligence for CAC40 B2B prospects |
| Alternative Risk Transfer | TBD | #223 | Captive management, parametric covers, risk financing |
| IFRS 17 reporting | ERPNext / dbt | #206 | Insurance contract measurement + P&L disclosure |
| Data Lakehouse | Apache Iceberg + Nessie | #139 | Iceberg tables on MinIO + Nessie catalog |
Backlog Scorecard
Quick-scan of IS domain items not yet scheduled. Full detail per item is in the Business Applications Catalog.
Platform engineering items (DevSecOps, FinOps, SRE, IaC, AI hardening, HR, intranet) are tracked separately → Platform Engineering Backlog
| Scope | Count |
|---|
| Insurance IS domain (this page) | 53 |
| Platform engineering | 100 |
| Research pipeline | 8 |
| Total active backlog | 161 |
51 Backlog items (📋)
| # | Item | Domain |
|---|
| 1 | ktayl-uwb-api | Underwriting |
| 2 | ktayl-uwb-ui | Underwriting |
| 3 | underwriting-workflow (Temporal) | Underwriting |
| 4 | UW AI agents (CrewAI) | Underwriting |
| 5 | UW broker intake (n8n) | Underwriting |
| 6 | UW authority matrix | Underwriting |
| 7 | UW guidelines repository | Underwriting |
| 8 | Technical UW committee workflow | Underwriting |
| 9 | Actuarial pricing engine | Underwriting |
| 10 | Risk engineering assessment | Underwriting |
| 11 | Claims indemnification SEPA payment | Claims Extended |
| 12 | Loss adjuster management | Claims Extended |
| 13 | Subrogation management | Claims Extended |
| 14 | SIU fraud investigation | Claims Extended |
| 15 | Contentieux / litigation | Claims Extended |
| 16 | Marine & Transport LOB | LOB |
| 17 | Construction & Engineering LOB | LOB |
| 18 | Financial Lines (D&O / RC Pro) LOB | LOB |
| 19 | Collaborateurs LOB | LOB |
| 20 | International Programs LOB (data model) | IP / GNP |
| 21 | ktayl-ip-portal (GNP equivalent) | IP / GNP |
| 22 | IP bordereau module (ERPNext) | IP / GNP |
| 23 | SO claims feed | IP / GNP |
| 24 | Commercial Insurance CRM | Distribution |
| 25 | ERPNext CRM config | Distribution |
| 26 | ERPNext billing | Distribution |
| 27 | Premium collection lifecycle | Distribution |
| 28 | Insurance product factory | Distribution |
| 29 | Insurance attestation PDF | Distribution |
| 30 | ORIAS broker verification | Distribution |
| 31 | Delegated underwriting authority | Distribution |
| 32 | Co-insurance / pool management | Distribution |
| 33 | Customer-facing AI chatbot | Distribution |
| 34 | Reinsurance management | Reinsurance |
| 35 | Reinsurer bordereau portal | Reinsurance |
| 36 | Actuarial reserving tool | Actuarial |
| 37 | AML/KYC compliance | Compliance |
| 38 | GDPR Art. 30 register | Compliance |
| 39 | GDPR workflow (n8n) | Compliance |
| 40 | DDA/IDD training LMS (Moodle) | Compliance |
| 41 | Paperless-ngx DMS | Document Mgmt |
| 42 | VoIP / call center (Asterisk) | Communication |
| 43 | SMS gateway (OVH) | Communication |
| 44 | Global Address List (Stalwart LDAP) | Communication |
| 45 | Shared mailboxes (Stalwart IMAP ACL) | Communication |
| 46 | Global Data Platform (ClickHouse + dbt + Metabase) | Data & BI |
| 47 | Insurance KPI dashboard | Data & BI |
| 48 | People Analytics (Metabase) | Data & BI |
| 49 | GCP BigQuery | Data & BI |
| 50 | MidPoint IGA | IAM |
| 51 | PAM (Teleport + Vault SSH) | IAM |
| 52 | GLPI | IAM / IT Ops |
| 53 | Distribution lists (Stalwart virtual aliases) | Communication |
8 Research items (🔬)
| # | Item | Why it matters |
|---|
| 1 | Domain-specific LLM fine-tune | French insurance corpus on vLLM — specialist model |
| 2 | Catastrophe modelling | Nat cat aggregate exposure, Solvency II SCR |
| 3 | COBOL actuarial rating engine | Legacy demo — IBM z/OS credential evidence |
| 4 | Algorithmic Cyber Underwriter | AI-driven cyber risk assessment + pricing |
| 5 | Corporate risk intelligence agent | Pre-UW due diligence for CAC40 B2B prospects |
| 6 | Alternative Risk Transfer | Captive management, parametric covers |
| 7 | IFRS 17 reporting | Insurance contract measurement + P&L |
| 8 | Data Lakehouse (Iceberg + Nessie) | Iceberg tables on MinIO, analytical layer |
Domain weight
| Domain | Backlog count |
|---|
| Underwriting | 10 |
| Distribution & Commercial | 10 |
| Claims Extended | 5 |
| IP / GNP | 4 |
| Data & BI | 4 |
| Communication | 5 |
| LOB extensions | 4 |
| Compliance | 4 |
| Reinsurance / Actuarial | 3 |
| IAM / IT Ops | 3 |
| Document Mgmt | 1 |
Underwriting and Distribution are the two heaviest domains — together 20 of the 53 IS backlog items.
IS Domain Coverage Map
| IS Domain | Component | Status |
|---|
| Claims & policy lifecycle | ktayl-claims-service + ktayl-policy-service | 🔨 Q1 2027 |
| Policyholder / broker portal | ktayl-portal | 🔨 Q1 2027 |
| AI claims assistant | ktayl-ai-claims-assistant | 🔨 Q2 2027 |
| Underwriting (UWWB) | ktayl-uwb-api + ktayl-uwb-ui + UW AI agents | 📋 Q3 2027 |
| International Programs (GNP) | ktayl-ip-portal + IP bordereau module | 📋 Q3 2027 |
| Document management (DMS) | Paperless-ngx | 🔨 Q2 2027 |
| CRM & partner management | ERPNext CRM | 🔨 Q2 2027 |
| Reinsurance | Reinsurance management + bordereau portal | 📋 Post-cert |
| Actuarial | Reserving tool + pricing engine | 📋 Post-cert |
| Compliance (ACPR/COREP) | Spring Batch in claims-service | 🔨 Q1 2027 |
| Regulatory (AML/KYC, GDPR) | Python + n8n workflows | 📋 Post-cert |
| Data platform & BI | ClickHouse + Metabase + dbt | 📋 Post-cert |
| IAM & governance | Authentik (✅) + MidPoint IGA | ✅ / Post-cert |
| ERP & finance | ERPNext PCG 2025 + TSCA | ✅ Live |
| AI platform | LiteLLM + vLLM + agents + RAG | ✅ Live |
| Communication | Stalwart + Matrix + Jitsi | ✅ Live |
| e-Signature | Docuseal | ✅ Live |