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 |
|---|---|---|---|---|---|---|---|---|---|
| 13351 | FG-23581Feb 26 | Harbor Light | 14Invalid card | Donor outreach | 1 | Recovered | $80 | $0.10 | 8d0be9cd…13c7 |
| 13352 | FG-23582Nov 25 | Cedar Valley | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 227b205a…1ee4 |
| 13353 | FG-23583Apr 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 19221194…ce1b |
| 13354 | FG-23584May 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | f4c2fcf4…794d |
| 13355 | FG-23585Jan 26 | Riverbend | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | bd0fb3ed…87eb |
| 13356 | FG-23586Aug 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Recovered | $25 | $0.30 | 0dd08da1…b03d |
| 13357 | FG-23587Jul 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $60 | $0.20 | 4529b55d…2c80 |
| 13358 | FG-23588Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 94aae14c…ab87 |
| 13359 | FG-23589Mar 26 | Harbor Light | 54Expired card | Donor outreach | 1 | Not recovered | — | $0.10 | 76ec7be5…963e |
| 13360 | FG-23590Dec 25 | Northgate | R09ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | fd92c3ee…e07e |
| 13361 | FG-23591Jan 26 | Northgate | R01ACH R01 funds | Retry schedule | 3 | Recovered | $300 | $0.30 | a339c0dc…b22e |
| 13362 | FG-23592Mar 26 | Harbor Light | 59Suspected fraud | Donor outreach | 1 | Recovered | $20 | $0.10 | 46b94844…6b80 |
| 13363 | FG-23593Jan 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | 15e21ae0…ffc9 |
| 13364 | FG-23594Oct 25 | Northgate | 19Issuer unavailable | Retry schedule | 1 | Recovered | $15 | $0.10 | beaac02a…8be3 |
| 13365 | FG-23595Feb 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 69c150b4…3f44 |
| 13366 | FG-23596May 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Recovered | $80 | $0.30 | fbad6f60…371e |
| 13367 | FG-23597Aug 26 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Recovered | $80 | $0.20 | 3dc67f66…57ea |
| 13368 | FG-23598Oct 25 | Riverbend | 78Account closed | Donor outreach | 1 | Recovered | $90 | $0.10 | 7ef42e8b…b991 |
| 13369 | FG-23599Dec 25 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Recovered | $90 | $0.20 | 52fade64…f506 |
| 13370 | FG-23600Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 4 | Recovered | $90 | $0.40 | b12c490e…1ebd |
| 13371 | FG-23601Oct 25 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | b317fa6e…d9f4 |
| 13372 | FG-23602Mar 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 7a65264e…4de8 |
| 13373 | FG-23603Jun 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 1 | Recovered | $60 | $0.10 | 6fc3f94f…51a3 |
| 13374 | FG-23604Jul 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $30 | $0.20 | 66365a9f…b8dc |
| 13375 | FG-23605Nov 25 | Riverbend | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 66530c8c…b03c |
| 13376 | FG-23606Feb 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | 783d9e0d…9d76 |
| 13377 | FG-23607May 26 | Cedar Valley | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 618b649c…6d94 |
| 13378 | FG-23608Dec 25 | Harbor Light | 65Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 95d88129…b7d9 |
| 13379 | FG-23609Oct 25 | Northgate | 05Do not honor | Retry schedule | 1 | Recovered | $130 | $0.10 | bf868aab…e514 |
| 13380 | FG-23610Jan 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 173a8451…9cf7 |
| 13381 | FG-23611Aug 26 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $25 | $0.10 | b9f6502c…56dc |
| 13382 | FG-23612Sep 26 | Riverbend | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 712ae26b…18de |
| 13383 | FG-23613Dec 25 | Lumen Arts | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 7ba45109…189a |
| 13384 | FG-23614Oct 25 | Northgate | 65Insufficient funds | Retry schedule | 2 | Recovered | $140 | $0.20 | d1e3a4a5…443a |
| 13385 | FG-23615Jan 26 | Northgate | 65Insufficient funds | Retry schedule | 1 | Recovered | $140 | $0.10 | 3fe64023…10ba |
| 13386 | FG-23616Apr 26 | Northgate | 61Insufficient funds | Retry schedule | 2 | Recovered | $140 | $0.20 | 82e65011…51b8 |
| 13387 | FG-23617Jul 26 | Northgate | 78Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 132ef1c8…d393 |
| 13388 | FG-23618Jun 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 73d91130…ab09 |
| 13389 | FG-23619Oct 25 | Northgate | 65Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | e22f1ef0…882e |
| 13390 | FG-23620Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | 3a4232e3…6877 |
| 13391 | FG-23621Dec 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | e71fda3a…ceac |
| 13392 | FG-23622Aug 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $5 | $0.10 | e677190d…8887 |
| 13393 | FG-23623Apr 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | abc5d3f4…390e |
| 13394 | FG-23624Jul 26 | Riverbend | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 68282067…5b9b |
| 13395 | FG-23625May 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 3005b46f…eea6 |
| 13396 | FG-23626Sep 26 | Harbor Light | R01ACH R01 funds | Retry schedule | 1 | Recovered | $70 | $0.10 | 27907a0e…4f80 |
| 13397 | FG-23627May 26 | Harbor Light | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 46b766ea…1984 |
| 13398 | FG-23628Aug 26 | Riverbend | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | a80a2c64…a395 |
| 13399 | FG-23629Oct 25 | Riverbend | 43Lost or stolen | Card updater, then retry | 2 | Recovered | $40 | $0.20 | 5279a390…6d8f |
| 13400 | FG-23630Feb 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | c5376545…690d |
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.