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graph TB subgraph "Client Layer" WEB[Next.js Web App] PWA[Progressive Web App] USSD[USSD Gateway] end

subgraph "API Gateway"
    NGINX[Nginx Load Balancer]
    CACHE[Redis Cache]
end

subgraph "Application Layer"
    API[FastAPI Backend]
    WORKER[Celery Workers]
    SCHEDULER[Beat Scheduler]
end

subgraph "Data Layer"
    PG[(PostgreSQL)]
    REDIS[(Redis)]
    S3[S3 Storage]
end

subgraph "External Services"
    MPESA[M-Pesa API]
    AIRTEL[Airtel Money]
    SMS[Africa's Talking]
    EMAIL[SendGrid]
end

WEB --> NGINX
PWA --> NGINX
USSD --> API
NGINX --> API
NGINX --> CACHE
API --> PG
API --> REDIS
API --> WORKER
SCHEDULER --> WORKER
WORKER --> PG
API --> MPESA
API --> AIRTEL
API --> SMS
API --> EMAIL
API --> S3