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 |
|---|---|---|---|---|---|---|---|---|---|
| 15401 | FG-25631Aug 26 | Harbor Light | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 02b4306c…a5db |
| 15402 | FG-25632Nov 25 | Cedar Valley | 41Lost or stolen | Card updater, then retry | 1 | Recovered | $10 | $0.10 | 949157fc…1484 |
| 15403 | FG-25633Mar 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 3 | Recovered | $10 | $0.30 | 91732391…e573 |
| 15404 | FG-25634Jul 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | cbefdd60…79ca |
| 15405 | FG-25635May 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Recovered | $20 | $0.30 | df2609af…77ea |
| 15406 | FG-25636Jul 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 2 | Recovered | $20 | $0.20 | dfea56b1…222a |
| 15407 | FG-25637Nov 25 | Riverbend | 33Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | be13622e…925a |
| 15408 | FG-25638Dec 25 | Riverbend | 63Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | d0c7dd5f…54b8 |
| 15409 | FG-25639Aug 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | 1209d5e3…655a |
| 15410 | FG-25640May 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $70 | $0.10 | 66bd59af…28ab |
| 15411 | FG-25641Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $70 | $0.20 | d6a78a54…1907 |
| 15412 | FG-25642Nov 25 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Recovered | $80 | $0.30 | 93289797…cef0 |
| 15413 | FG-25643Jun 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | 4c00be72…19a8 |
| 15414 | FG-25644Jul 26 | Riverbend | 19Issuer unavailable | Retry schedule | 1 | Recovered | $45 | $0.10 | b81f259a…8198 |
| 15415 | FG-25645Aug 26 | Riverbend | 33Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | e406792d…546d |
| 15416 | FG-25646Apr 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 39412812…fd0e |
| 15417 | FG-25647Nov 25 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 8a7390e3…f900 |
| 15418 | FG-25648Jun 26 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $60 | $0.10 | 13321f9a…20f1 |
| 15419 | FG-25649Jun 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $40 | $0.10 | d9c80acc…1906 |
| 15420 | FG-25650Aug 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $10 | $0.10 | 1366d2da…66f1 |
| 15421 | FG-25651Apr 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | a626b83b…5a4b |
| 15422 | FG-25652Aug 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 1b0f99d4…6068 |
| 15423 | FG-25653Nov 25 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 4d629bf6…776a |
| 15424 | FG-25654Dec 25 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $10 | $0.10 | 697962b4…4a70 |
| 15425 | FG-25655Jan 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 5edb0ddd…bfec |
| 15426 | FG-25656Apr 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $10 | $0.10 | 033c1a19…425c |
| 15427 | FG-25657Aug 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | a7ee3369…a4ae |
| 15428 | FG-25658Oct 25 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 5f0c2a6a…5ab8 |
| 15429 | FG-25659Sep 26 | Cedar Valley | 05Do not honor | Retry schedule | 1 | Recovered | $100 | $0.10 | 0bcd114c…c87c |
| 15430 | FG-25660Oct 25 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Recovered | $30 | $0.20 | c3e0b24f…1aef |
| 15431 | FG-25661Jan 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | d22b6db1…8b39 |
| 15432 | FG-25662Aug 26 | Riverbend | 91Issuer unavailable | Retry schedule | 3 | Stopped | — | $0.30 | e5c5196c…f825 |
| 15433 | FG-25663May 26 | Northgate | 61Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | f6e9929e…9340 |
| 15434 | FG-25664Jul 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $90 | $0.10 | 1dc05be8…6c7e |
| 15435 | FG-25665Nov 25 | Cedar Valley | 02Do not honor | Retry schedule | 4 | Recovered | $5 | $0.40 | c2c457e9…413d |
| 15436 | FG-25666Aug 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 6cfa50d9…ebf7 |
| 15437 | FG-25667Aug 26 | Riverbend | 33Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 44393d11…1443 |
| 15438 | FG-25668Oct 25 | Cedar Valley | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | e48ee70a…0612 |
| 15439 | FG-25669Jul 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 462ef817…f811 |
| 15440 | FG-25670Mar 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $70 | $0.10 | 9f0d7246…19ab |
| 15441 | FG-25671Aug 26 | Northgate | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 06bd2024…303a |
| 15442 | FG-25672Sep 26 | Northgate | 01Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 93de89c7…64d4 |
| 15443 | FG-25673Feb 26 | Riverbend | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | e6e3016f…ec68 |
| 15444 | FG-25674Apr 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | c56f9160…1be8 |
| 15445 | FG-25675Jan 26 | Northgate | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 2cb89625…c150 |
| 15446 | FG-25676Feb 26 | Northgate | 33Expired card | Donor outreach | 1 | Recovered | $50 | $0.10 | 9a42649d…67e2 |
| 15447 | FG-25677Sep 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 592d31a7…060e |
| 15448 | FG-25678Jun 26 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $30 | $0.10 | a6ba8007…047e |
| 15449 | FG-25679Feb 26 | Harbor Light | 61Insufficient funds | Retry schedule | 2 | Recovered | $70 | $0.20 | 45df3cb1…f2b7 |
| 15450 | FG-25680Jun 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Recovered | $120 | $0.20 | f6fc6ef8…525e |
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.