Nginx try_files (folders + files) fallback

Question

Given this folder structure:

root folder
    + default
        + settings1.txt
        + settings2.txt
        ...
        + settingsN.txt
    + user00001
           


        

Answer 1

location ~ ^(/[^/]+)(/.+)$ {
  root ...;
  if (!-d "$document_root$1") {
    return 404;
  }
  try_files $1$2 /default$2 =404;
}