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 |
|---|---|---|---|---|---|---|---|---|---|
| 8001 | FG-18231Mar 26 | Northgate | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | d5c417b3…8114 |
| 8002 | FG-18232Nov 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | f5a2c899…94bc |
| 8003 | FG-18233Apr 26 | Riverbend | 54Expired card | Donor outreach | 1 | Recovered | $25 | $0.10 | 8496ef43…94f2 |
| 8004 | FG-18234Jun 26 | Riverbend | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 457c454d…3d38 |
| 8005 | FG-18235Apr 26 | Northgate | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 5c9323a2…86be |
| 8006 | FG-18236Aug 26 | Northgate | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | ee4b5045…cd0b |
| 8007 | FG-18237Sep 26 | Northgate | 01Do not honor | Retry schedule | 1 | Recovered | $20 | $0.10 | e59dc5b5…ffb0 |
| 8008 | FG-18238Mar 26 | Northgate | R04ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 1ebd50ca…8d2b |
| 8009 | FG-18239Aug 26 | Lumen Arts | 33Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | 38509ad1…c598 |
| 8010 | FG-18240Apr 26 | Cedar Valley | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | f7bcff8b…e810 |
| 8011 | FG-18241Mar 26 | Cedar Valley | 54Expired card | Donor outreach | 1 | Recovered | $60 | $0.10 | 99ad8485…663a |
| 8012 | FG-18242Nov 25 | Lumen Arts | 41Lost or stolen | Donor outreach | 1 | Recovered | $25 | $0.10 | dd9b4c58…b1eb |
| 8013 | FG-18243Dec 25 | Lumen Arts | 41Lost or stolen | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 80823c5f…daa9 |
| 8014 | FG-18244Sep 26 | Lumen Arts | 96Issuer unavailable | Retry schedule | 1 | Recovered | $25 | $0.10 | cf7907a1…4c5c |
| 8015 | FG-18245Jul 26 | Harbor Light | R09ACH R01 funds | Retry schedule | 1 | Stopped | — | $0.10 | 21779dcd…8ae2 |
| 8016 | FG-18246Oct 25 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 9a5ae472…fc99 |
| 8017 | FG-18247Dec 25 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $20 | $0.10 | 26ca2c44…8f2a |
| 8018 | FG-18248Feb 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 014cf1ec…ab56 |
| 8019 | FG-18249Mar 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 2f8a58b8…ab9e |
| 8020 | FG-18250Jul 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | beb0bad7…223c |
| 8021 | FG-18251Sep 26 | Riverbend | 15Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 171ba117…668c |
| 8022 | FG-18252Jul 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 26e63777…2bb4 |
| 8023 | FG-18253Aug 26 | Northgate | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 1e39e185…d328 |
| 8024 | FG-18254May 26 | Riverbend | R01ACH R01 funds | Retry schedule | 3 | Recovered | $20 | $0.30 | 76dfe208…d7a8 |
| 8025 | FG-18255Jun 26 | Riverbend | R01ACH R01 funds | Retry schedule | 2 | Recovered | $20 | $0.20 | be373e7b…fd4f |
| 8026 | FG-18256Feb 26 | Cedar Valley | 01Do not honor | Retry schedule | 1 | Recovered | $110 | $0.10 | d977be9f…32d5 |
| 8027 | FG-18257Oct 25 | Lumen Arts | R03ACH R03 no acct | Donor outreach | 1 | Recovered | $60 | $0.10 | 4e9dd500…acf4 |
| 8028 | FG-18258Jun 26 | Lumen Arts | R01ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | 09f82e01…5d9b |
| 8029 | FG-18259Feb 26 | Lumen Arts | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 2c9764bc…3463 |
| 8030 | FG-18260Aug 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $10 | $0.10 | 9d8b40d2…4dff |
| 8031 | FG-18261Mar 26 | Harbor Light | R04ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 4f7455f2…6823 |
| 8032 | FG-18262Mar 26 | Harbor Light | 61Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | 808d9e9b…756e |
| 8033 | FG-18263May 26 | Cedar Valley | 78Account closed | Donor outreach | 0 | Stopped | — | $0.00 | dd176d5f…d10c |
| 8034 | FG-18264May 26 | Riverbend | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | db7f6add…2a0c |
| 8035 | FG-18265Jun 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | c2ab9b4c…3ad8 |
| 8036 | FG-18266Jun 26 | Northgate | 96Issuer unavailable | Retry schedule | 1 | Recovered | $90 | $0.10 | c7f4ad5b…4e08 |
| 8037 | FG-18267Jun 26 | Harbor Light | 05Do not honor | Retry schedule | 1 | Recovered | $90 | $0.10 | f0f9e669…e323 |
| 8038 | FG-18268Jul 26 | Harbor Light | 01Do not honor | Retry schedule | 2 | Recovered | $90 | $0.20 | 70b4c762…479e |
| 8039 | FG-18269Jun 26 | Harbor Light | 14Invalid card | Donor outreach | 1 | Recovered | $110 | $0.10 | ff641b76…8439 |
| 8040 | FG-18270Sep 26 | Harbor Light | 65Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 1c19108d…1951 |
| 8041 | FG-18271Nov 25 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 83d07e3d…05d9 |
| 8042 | FG-18272Jun 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 1 | Recovered | $25 | $0.10 | 1b6c88d5…f9aa |
| 8043 | FG-18273Jul 26 | Cedar Valley | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | d5d27266…8181 |
| 8044 | FG-18274Aug 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 1ef98e12…7732 |
| 8045 | FG-18275Sep 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 5ada72f4…22f3 |
| 8046 | FG-18276Oct 25 | Lumen Arts | R03ACH R03 no acct | Donor outreach | 1 | Recovered | $90 | $0.10 | 81a19225…bacd |
| 8047 | FG-18277Jun 26 | Lumen Arts | R01ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | 079601a8…8dcb |
| 8048 | FG-18278Aug 26 | Northgate | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | f4dcff61…4d22 |
| 8049 | FG-18279Feb 26 | Northgate | 01Do not honor | Retry schedule | 1 | Recovered | $60 | $0.10 | b5285404…3145 |
| 8050 | FG-18280Apr 26 | Northgate | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | addccedb…6241 |
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.