How Nubank refactors millions of lines of code to improve engineering efficiency with Devin

8x
engineering time efficiency gain
20x
cost savings
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Overview

One of Nubank’s most critical, company-wide projects for 2023-2024 was a migration of their core ETL — an 8 year old, multi-million lines of code monolith — to sub-modules. To handle such a large refactor, their only option was a multi-year effort that distributed repetitive refactoring work across over one thousand of their engineers. With Devin, however, this changed: engineers were able to delegate Devin to handle their migrations and achieve a 12x efficiency improvement in terms of engineering hours saved, and over 20x cost savings. Among others, Data, Collections, and Risk business units verified and completed their migrations in weeks instead of months or years.

The Problem

Nubank was born into the tradition of centralized ETL FinServ architectures. To date, the monolith architecture had worked well for Nubank — it enabled the developer autonomy and flexibility that carried them through their hypergrowth phases. After 8 years, however, Nubank’s sheer volume of customer growth, as well as geographic and product expansion beyond their original credit card business, led to an entangled, behemoth ETL with countless cross-dependencies and no clear path to continuing to scale.

For Nubankers, business critical data transformations started taking increasingly long to run, with chains of dependencies as deep as 70 and insufficient formal agreements on who was responsible for maintaining what. As the company continued to grow, it became clear that the ETL would be a primary bottleneck to scale.

Nubank concluded that there was an urgent need to split up their monolithic ETL repository, amassing over 6 million lines of code, into smaller, more flexible sub-modules.

Nubank’s code migration was filled with the monotonous, repetitive work that engineers dread. Moving each data class implementation from one architecture to another while tracing imports correctly, performing multiple delicate refactoring steps, and accounting for any number of edge cases was highly tedious, even to do just once or twice. At Nubank’s scale, however, the total migration scope involved more than 1,000 engineers moving ~100,000 data class implementations over an expected timeline of 18 months.

In a world where engineering resources are scarce, such large-scale migrations and modernizations become massively expensive, time-consuming projects that distract from any engineering team’s core mission: building better products for customers. Unfortunately, this is the reality for many of the world’s largest organizations.

The Decision: an army of Devins to tackle subtasks in parallel

At project outset in 2023, Nubank had no choice but to rely on their engineers to perform code changes manually. Migrating one data class was a highly discretionary task, with multiple variations, edge cases, and ad hoc decision-making — far too complex to be scriptable, but high-volume enough to be a significant manual effort.

Within weeks of Devin’s launch, Nubank identified a clear opportunity to accelerate their refactor at a fraction of the engineering hours. Migration or large refactoring tasks are often fantastic projects for Devin: after investing a small, fixed cost to teach Devin how to approach sub-tasks, Devin can go and complete the migration autonomously. A human is kept in the loop just to manage the project and approve Devin’s changes.

The Solution: Custom ETL Migration Devin

A task of this magnitude, with the vast number of variations that it had, was a ripe opportunity for fine-tuning. The Nubank team helped to collect examples of previous migrations their engineers had done manually, some of which were fed to Devin for fine-tuning. The rest were used to create a benchmark evaluation set. Against this evaluation set, we observed a doubling of Devin’s task completion scores after fine-tuning, as well as a 4x improvement in task speed. Roughly 40 minutes per sub-task dropped to 10, which made the whole migration start to look much cheaper and less time-consuming, allowing the company to devote more energy to new business and new value creation instead.

Devin contributed to its own speed improvements by building itself classical tools and scripts it would later use on the most common, mechanical components of the migration. For instance, detecting the country extension of a data class (either ‘br’, ‘co’, or ‘mx’) based on its file path was a few-step process for each sub-task. Devin’s script automatically turned this into a single step executable — improvements from which added up immensely across all tens of thousands of sub-tasks.

There is also a compounding advantage on Devin’s learning. In the first weeks, it was common to see outstanding errors to fix, or small things Devin wasn’t sure how to solve. But as Devin saw more examples and gained familiarity with the task, it started to avoid rabbit holes more often and find faster solutions to previously-seen errors and edge cases. Much like a human engineer, we observed obvious speed and reliability improvements with every day Devin worked on the migration.

Results: Delivering an 8-12x faster migration, lifting a burden from every engineer, and slashing migration costs by 20x.

“Devin provided an easy way to reduce the number of engineering hours for the migration, in a way that was more stable and less prone to human error. Rather than engineers having to work across several files and complete an entire migration task 100%, they could just review Devin’s changes, make minor adjustments, then merge their PR”

Jose Carlos Castro, Senior Product Manager

8-12x efficiency gains This is calculated by comparing the typical engineering hours required to complete a data class migration task against the total engineering hours spent prompting and reviewing Devin’s work on the same task.
Over 20x cost savings on scope of the migration delegated to Devin This is calculated by comparing the cost of running Devin versus the hourly cost of an engineer completing that task. The significant savings are heavily driven by speed of task execution and cost effectiveness of Devin relative to human engineering time – it does not even consider the value captured by completing the entire project months ahead of schedule!
Fewer dreaded migration tasks for Nubank engineers

Building the Future of Insurance with Hippo

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About the company

Hippo Insurance is a home insurance technology company that leverages smart home devices and data to offer modernized homeowners coverage, serving customers across the United States since its founding in 2015.

Industry: Insurance Visit site

Overview

Hippo, a technology-native insurance group, has partnered with Cognition to deploy Devin, our AI software engineer, across its engineering organization.

The insurance industry is at a critical technological turning point that will make and break legacy brands. Early this year, McKinsey estimated that agentic AI can cut the testing and defect-resolution cycles at the core of insurance modernization—the work that has historically been the slowest and most expensive for carriers—by as much as 90 percent.

Insurance is also one of the most complex and heavily regulated industries out there, where every product has to hold up across fifty states, each with its own rules, filings, and edge cases, and the software behind it has to stay reliable and compliant as those rules change. That mix of complexity and criticality is exactly where AI software engineering creates the most leverage.

Hippo's Homegrown Advantage

Hippo builds and owns its core technology in-house—its engineers own the systems that run the business across the full insurance lifecycle, from rate filings and underwriting through distribution and customer experience. That homegrown foundation matters more than ever in a market where most carriers still spend the majority of their IT budgets maintaining legacy systems instead of building new ones and it is what lets Hippo embed AI directly into the systems that run its business.

With Devin, Hippo's engineers can build and test software that holds up across all fifty states without multiplying manual effort, freeing them to spend more of their time on the product and risk work that moves the needle, including initiatives like Hannah, its AI-powered service representative, and partner data ingestion across its MGA network.

Insurance in the Agentic Era

The carriers that shape the industry for the next decade will be the ones that can build and adapt software as quickly as the market and regulators move. In the agentic age, engineering capacity stops being the constraint. Its ability to launch a new product or enter a new state becomes a question of intent rather than headcount, and the gap between the carriers that can move at that speed and the ones still tied to legacy systems will only widen. For their customers, that means coverage and service that keep pace with their lives, and an industry that finally feels as modern as the people it protects.

We're proud to partner with Hippo as it builds toward a future where insurance is proactive, homeownership is effortless, so every homeowner stays protected no matter what life brings. We can't wait to see what its engineers build next.