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 |
|---|---|---|---|---|---|---|---|---|---|
| 7601 | FG-17831Aug 26 | Riverbend | 33Expired card | Card updater, then retry | 1 | Recovered | $30 | $0.10 | 0614f38e…1498 |
| 7602 | FG-17832Apr 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $5 | $0.10 | 648d169d…c247 |
| 7603 | FG-17833Feb 26 | Riverbend | 15Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 6c8dc10b…7711 |
| 7604 | FG-17834Jan 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 3513a860…9462 |
| 7605 | FG-17835Jun 26 | Northgate | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | f9666377…216e |
| 7606 | FG-17836Jul 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $90 | $0.10 | 2a4f3d53…87e7 |
| 7607 | FG-17837Feb 26 | Harbor Light | R01ACH R01 funds | Retry schedule | 1 | Recovered | $35 | $0.10 | d17c2fae…073f |
| 7608 | FG-17838Mar 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Recovered | $45 | $0.30 | 3e042f30…cb6e |
| 7609 | FG-17839Sep 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 29b909f0…3946 |
| 7610 | FG-17840Jul 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $80 | $0.10 | a5ce20cf…bf29 |
| 7611 | FG-17841Feb 26 | Cedar Valley | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | c12b1470…526e |
| 7612 | FG-17842Sep 26 | Lumen Arts | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 862b055a…113e |
| 7613 | FG-17843Nov 25 | Northgate | 78Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 85a85969…0ddc |
| 7614 | FG-17844Apr 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $45 | $0.20 | f6260ffc…6135 |
| 7615 | FG-17845Jul 26 | Northgate | 02Do not honor | Retry schedule | 2 | Recovered | $15 | $0.20 | 36d7f7f1…9c5a |
| 7616 | FG-17846Oct 25 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 90671f9c…0817 |
| 7617 | FG-17847Jan 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | eafb0e7e…343e |
| 7618 | FG-17848Jun 26 | Harbor Light | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | b33e7259…1d79 |
| 7619 | FG-17849Jul 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | a12a517e…b08e |
| 7620 | FG-17850Sep 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 2fd26af3…241b |
| 7621 | FG-17851Dec 25 | Harbor Light | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 4562122a…7481 |
| 7622 | FG-17852Nov 25 | Lumen Arts | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | d8b96486…01a3 |
| 7623 | FG-17853May 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Recovered | $160 | $0.10 | 3b0b2514…4070 |
| 7624 | FG-17854Jan 26 | Harbor Light | R03ACH R03 no acct | Donor outreach | 1 | Recovered | $45 | $0.10 | 6ca08358…3a56 |
| 7625 | FG-17855Dec 25 | Lumen Arts | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 923bf7c5…2ee0 |
| 7626 | FG-17856Apr 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | e777f7da…1c07 |
| 7627 | FG-17857Jul 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Recovered | $70 | $0.20 | 7a4cfcef…9a98 |
| 7628 | FG-17858Jan 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $100 | $0.10 | ba3c014e…3e07 |
| 7629 | FG-17859Oct 25 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $130 | $0.10 | f6007f8e…6d7f |
| 7630 | FG-17860Jun 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $130 | $0.10 | 7bc7b3c9…3ebe |
| 7631 | FG-17861Aug 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 3c447a67…8715 |
| 7632 | FG-17862Nov 25 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | 0022118f…625c |
| 7633 | FG-17863Sep 26 | Lumen Arts | 96Issuer unavailable | Retry schedule | 1 | Recovered | $30 | $0.10 | 11348342…4f41 |
| 7634 | FG-17864Oct 25 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $110 | $0.10 | eb3653e2…35ee |
| 7635 | FG-17865Jul 26 | Harbor Light | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 84e9f12a…d172 |
| 7636 | FG-17866Sep 26 | Harbor Light | 96Issuer unavailable | Retry schedule | 1 | Recovered | $110 | $0.10 | da158bb2…713e |
| 7637 | FG-17867Sep 26 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $80 | $0.10 | 299ccd8d…fede |
| 7638 | FG-17868Apr 26 | Riverbend | 19Issuer unavailable | Retry schedule | 1 | Recovered | $35 | $0.10 | 3792c3a1…e60a |
| 7639 | FG-17869May 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 9d771a1d…aa60 |
| 7640 | FG-17870Dec 25 | Cedar Valley | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 658f277d…0537 |
| 7641 | FG-17871Oct 25 | Cedar Valley | 05Do not honor | Retry schedule | 1 | Recovered | $80 | $0.10 | 49f1b2b8…6bb5 |
| 7642 | FG-17872Mar 26 | Cedar Valley | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | e71f5e9b…68ff |
| 7643 | FG-17873Feb 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $160 | $0.20 | 06c32a30…e736 |
| 7644 | FG-17874Mar 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $160 | $0.10 | 30117454…e4d5 |
| 7645 | FG-17875Nov 25 | Lumen Arts | 05Do not honor | Retry schedule | 1 | Recovered | $45 | $0.10 | 543f8f93…0003 |
| 7646 | FG-17876Apr 26 | Lumen Arts | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 08875869…12c2 |
| 7647 | FG-17877May 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 9589e6da…3400 |
| 7648 | FG-17878Feb 26 | Riverbend | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 41d93d86…1a73 |
| 7649 | FG-17879Dec 25 | Riverbend | 33Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | 412eece1…b007 |
| 7650 | FG-17880Feb 26 | Riverbend | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | b2a49e83…3015 |
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.