The woman who just overtook Taylor Swift as the youngest self-made female billionaire isn’t letting that get to her head -- she's shaking off the Taylor Swift "dethroning" talk, and making one thing clear ... she’s a proud Swiftie first, mogul second.

Lucy Guo -- the 30-year-old Scale A.I. co-founder with a billion-dollar-plus empire -- tells TMZ Taylor’s the icon, and yep, she fully fangirled when she met her at Coachella last year. Getty

Lucy kept the Swift praise coming … saying Taylor was super chill, and they even bonded over knowing folks in Ice Spice ’s circle.

As for all the buzz about being the top self-made billionaire, Lucy tells us she’s not clinging to the crown -- in fact, she’s hyped to be dethroned herself soon, 'cause it means more women are killing it in

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