Impact ledger
Every decision and its outcome, in order. Each entry carries a SHA-256 hash of the entry before it, so changing any past entry breaks the chain. This page checks the chain each time it loads.
How the chain works
Each entry’s fields are written in a fixed order. Its hash is SHA-256 of the previous entry’s hash, a line break, and those fields. The first entry starts from 64 zeros. The server hashes the backtest with node:crypto; your browser re-checks it, and hashes its own decisions, with Web Crypto.
Decisions this session
Plans a person approved or rejected in the console. Kept in this browser only.
Reading this browser’s ledger…
Backtest ledger · smart policy
Every simulated failed gift in the twelve-month backtest (35,992 entries, seed 20260929), the action the policy took and what happened. Recovered total reconciles with the backtest dashboard ✓ ($1,035,410).
Entries
35,992
one per failed gift
Recovered
$1,035,410
21,437 gifts · 59.2% of $1.75M failed
Attempts
50,404
1.40 per failed gift
Attempt fees
$5,040.40
at $0.10 per authorisation attempt
Do-not-retry violations
0
No retries on do-not-retry codes or past the cap ✓
| # | Gift | Organisation | Decline | Action | Attempts | Outcome | Recovered | Fees | Hash |
|---|---|---|---|---|---|---|---|---|---|
| 7051 | FG-17281Nov 25 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | 883abfbe…2b1e |
| 7052 | FG-17282May 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | f6f47ff4…fdce |
| 7053 | FG-17283Jul 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | 624ab335…39c5 |
| 7054 | FG-17284Nov 25 | Cedar Valley | R01ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | a9697d63…2eac |
| 7055 | FG-17285Oct 25 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $45 | $0.20 | 9b2cd442…ece7 |
| 7056 | FG-17286Jun 26 | Harbor Light | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | e54e7d50…c375 |
| 7057 | FG-17287Aug 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | 289a59e5…887b |
| 7058 | FG-17288Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Recovered | $170 | $0.30 | b1292b7e…6a7e |
| 7059 | FG-17289Jan 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | f3376095…e9dc |
| 7060 | FG-17290Aug 26 | Riverbend | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 57b5deda…81e7 |
| 7061 | FG-17291Aug 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 33c6aecc…cf07 |
| 7062 | FG-17292Jan 26 | Riverbend | 41Lost or stolen | Donor outreach | 1 | Recovered | $30 | $0.10 | 40f92fad…8f8e |
| 7063 | FG-17293Mar 26 | Riverbend | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 09437aea…794c |
| 7064 | FG-17294Jun 26 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $30 | $0.10 | f152595f…8e94 |
| 7065 | FG-17295Aug 26 | Riverbend | 91Issuer unavailable | Retry schedule | 1 | Recovered | $30 | $0.10 | 5ad8ed06…8236 |
| 7066 | FG-17296Jun 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | 80617e63…9af4 |
| 7067 | FG-17297Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $40 | $0.20 | 13f1941d…f784 |
| 7068 | FG-17298Aug 26 | Lumen Arts | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 29664f9d…086d |
| 7069 | FG-17299Mar 26 | Riverbend | R04ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 5226a1cb…c213 |
| 7070 | FG-17300Apr 26 | Riverbend | R04ACH R03 no acct | Donor outreach | 1 | Recovered | $10 | $0.10 | b5d4275d…b26e |
| 7071 | FG-17301Oct 25 | Lumen Arts | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 753cc8c8…1d30 |
| 7072 | FG-17302Jan 26 | Lumen Arts | 15Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | f57a0936…1e10 |
| 7073 | FG-17303Sep 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 54c5bc3f…fc64 |
| 7074 | FG-17304May 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Recovered | $5 | $0.20 | 39350476…4c36 |
| 7075 | FG-17305Jul 26 | Lumen Arts | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 548d585b…fdbf |
| 7076 | FG-17306Dec 25 | Cedar Valley | 05Do not honor | Retry schedule | 1 | Recovered | $10 | $0.10 | 7fcf3117…d5e5 |
| 7077 | FG-17307Feb 26 | Cedar Valley | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 3259ea49…72df |
| 7078 | FG-17308Dec 25 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 36c9040e…f1df |
| 7079 | FG-17309Jun 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | aafa1599…ada9 |
| 7080 | FG-17310Feb 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | bc65ee80…179a |
| 7081 | FG-17311Mar 26 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $10 | $0.10 | 8848149c…a901 |
| 7082 | FG-17312May 26 | Northgate | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | f1db4e1e…847c |
| 7083 | FG-17313Apr 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 42fddebf…50e7 |
| 7084 | FG-17314Feb 26 | Lumen Arts | 46Account closed | Donor outreach | 1 | Recovered | $130 | $0.10 | bf6645bc…8ab7 |
| 7085 | FG-17315Sep 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $20 | $0.20 | 8dfdbedb…df7e |
| 7086 | FG-17316May 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | 6fdffa5d…d66b |
| 7087 | FG-17317Oct 25 | Riverbend | R09ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | a08a1e25…4740 |
| 7088 | FG-17318Dec 25 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | a83c0c64…3260 |
| 7089 | FG-17319Feb 26 | Harbor Light | 96Issuer unavailable | Retry schedule | 1 | Recovered | $170 | $0.10 | db3d6aca…bd59 |
| 7090 | FG-17320Jun 26 | Harbor Light | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | cb011295…9445 |
| 7091 | FG-17321Jan 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 260b7a7d…8cca |
| 7092 | FG-17322Mar 26 | Riverbend | 91Issuer unavailable | Retry schedule | 1 | Recovered | $15 | $0.10 | 96098437…18b1 |
| 7093 | FG-17323May 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 68882bbb…550e |
| 7094 | FG-17324Jul 26 | Northgate | 54Expired card | Donor outreach | 1 | Recovered | $70 | $0.10 | f85def9a…b93d |
| 7095 | FG-17325Mar 26 | Harbor Light | 63Suspected fraud | Donor outreach | 1 | Recovered | $25 | $0.10 | 26b335e6…ce31 |
| 7096 | FG-17326Mar 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 4ff25301…1811 |
| 7097 | FG-17327Nov 25 | Northgate | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 3216981c…91b7 |
| 7098 | FG-17328Apr 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $50 | $0.10 | c5b5b430…6cd6 |
| 7099 | FG-17329Apr 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | 5b506107…f13c |
| 7100 | FG-17330May 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | a0390f6f…fc6e |
Outcomes: Recovered — won back within the recovery window. Not recovered — not won back; the monthly gift continues. Stopped — not won back, and the monthly gift lapsed. Head of chain 7377059a…56e0: one hash that commits to every entry.