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 |
|---|---|---|---|---|---|---|---|---|---|
| 15251 | FG-25481Jan 26 | Northgate | 96Issuer unavailable | Retry schedule | 1 | Recovered | $325 | $0.10 | 191502f1…9b61 |
| 15252 | FG-25482Jun 26 | Northgate | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | c90badc4…86a9 |
| 15253 | FG-25483Oct 25 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | b71678e5…ec0d |
| 15254 | FG-25484Dec 25 | Harbor Light | 61Insufficient funds | Retry schedule | 2 | Recovered | $250 | $0.20 | 50f55849…b376 |
| 15255 | FG-25485Apr 26 | Harbor Light | 54Expired card | Card updater, then retry | 2 | Not recovered | — | $0.20 | 56968d51…907e |
| 15256 | FG-25486Sep 26 | Northgate | 05Do not honor | Retry schedule | 4 | Recovered | $70 | $0.40 | 57ad9feb…5bc9 |
| 15257 | FG-25487Oct 25 | Lumen Arts | 33Expired card | Donor outreach | 1 | Recovered | $15 | $0.10 | 6c591ff5…bd04 |
| 15258 | FG-25488Oct 25 | Northgate | 63Suspected fraud | Donor outreach | 1 | Recovered | $130 | $0.10 | 757513b0…0c16 |
| 15259 | FG-25489Oct 25 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $80 | $0.10 | 7e5722e7…ec89 |
| 15260 | FG-25490May 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Recovered | $80 | $0.20 | 089b4e02…8e73 |
| 15261 | FG-25491Sep 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $80 | $0.10 | d6befc6c…cb0f |
| 15262 | FG-25492Dec 25 | Lumen Arts | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | ec16361f…7b7f |
| 15263 | FG-25493May 26 | Riverbend | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 796040e5…339f |
| 15264 | FG-25494Aug 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 08a36323…4bef |
| 15265 | FG-25495May 26 | Northgate | R09ACH R01 funds | Retry schedule | 1 | Recovered | $120 | $0.10 | 5e070834…560f |
| 15266 | FG-25496Nov 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $70 | $0.10 | f04d2ec1…13d3 |
| 15267 | FG-25497Oct 25 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | ffe5410a…965e |
| 15268 | FG-25498Oct 25 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | a1621dd7…01f0 |
| 15269 | FG-25499Apr 26 | Lumen Arts | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 9a1843c3…88f6 |
| 15270 | FG-25500Sep 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | a112dbb0…c8ff |
| 15271 | FG-25501Aug 26 | Riverbend | 54Expired card | Donor outreach | 1 | Recovered | $15 | $0.10 | 1f534dec…ee2c |
| 15272 | FG-25502Mar 26 | Northgate | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | dfe57d86…8c84 |
| 15273 | FG-25503Feb 26 | Northgate | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 0b0e5f9f…c7c5 |
| 15274 | FG-25504Jun 26 | Northgate | 05Do not honor | Retry schedule | 3 | Recovered | $45 | $0.30 | cbdf2de9…52bd |
| 15275 | FG-25505Nov 25 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | b7c98e78…89f3 |
| 15276 | FG-25506Nov 25 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 2c8156ae…dd7f |
| 15277 | FG-25507Nov 25 | Cedar Valley | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | c4eadbd6…9478 |
| 15278 | FG-25508Feb 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | 2a5acdb2…1532 |
| 15279 | FG-25509Sep 26 | Northgate | 19Issuer unavailable | Retry schedule | 1 | Recovered | $25 | $0.10 | ed4cc4bc…1d90 |
| 15280 | FG-25510Nov 25 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | a31722a0…a1ad |
| 15281 | FG-25511Feb 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | c16054bc…8d92 |
| 15282 | FG-25512Jun 26 | Northgate | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | a08b3216…d578 |
| 15283 | FG-25513Nov 25 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Recovered | $20 | $0.30 | b58c16dd…c314 |
| 15284 | FG-25514Apr 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 33ef566c…9e22 |
| 15285 | FG-25515Sep 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 26f6e178…a74b |
| 15286 | FG-25516Aug 26 | Northgate | 33Expired card | Donor outreach | 1 | Recovered | $30 | $0.10 | d3f247b5…4859 |
| 15287 | FG-25517Apr 26 | Northgate | 63Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 7145c9ac…e168 |
| 15288 | FG-25518Jan 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $60 | $0.20 | a1166cbb…cb44 |
| 15289 | FG-25519Aug 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 618f6e2c…3e7a |
| 15290 | FG-25520Jul 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Recovered | $60 | $0.30 | 096f93ea…1b7e |
| 15291 | FG-25521Oct 25 | Cedar Valley | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 5e993bf5…3498 |
| 15292 | FG-25522Aug 26 | Lumen Arts | R09ACH R01 funds | Retry schedule | 2 | Recovered | $10 | $0.20 | 45aa6728…2d7a |
| 15293 | FG-25523Feb 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 1 | Recovered | $35 | $0.10 | 14440c62…86b5 |
| 15294 | FG-25524Mar 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 5e63eda8…ed83 |
| 15295 | FG-25525Apr 26 | Cedar Valley | 54Expired card | Donor outreach | 1 | Recovered | $35 | $0.10 | 2f533133…ba05 |
| 15296 | FG-25526Mar 26 | Cedar Valley | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 11d8cef2…a88d |
| 15297 | FG-25527Sep 26 | Cedar Valley | 91Issuer unavailable | Retry schedule | 3 | Recovered | $120 | $0.30 | 36255dac…d379 |
| 15298 | FG-25528Jan 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 665c0e4f…4075 |
| 15299 | FG-25529Oct 25 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 1ce588d1…3adb |
| 15300 | FG-25530Jul 26 | Northgate | 05Do not honor | Retry schedule | 3 | Recovered | $30 | $0.30 | 57e65213…2ebf |
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.