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 |
|---|---|---|---|---|---|---|---|---|---|
| 15751 | FG-25981Jan 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 078eb390…5b28 |
| 15752 | FG-25982Jun 26 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | ed7ae5e1…e816 |
| 15753 | FG-25983Mar 26 | Northgate | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 994350df…24a2 |
| 15754 | FG-25984Aug 26 | Northgate | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 7bcf50f5…74e6 |
| 15755 | FG-25985Jul 26 | Harbor Light | 61Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 1cdc9f5d…ca91 |
| 15756 | FG-25986Mar 26 | Cedar Valley | 54Expired card | Donor outreach | 1 | Not recovered | — | $0.10 | bbce0c54…a9df |
| 15757 | FG-25987Oct 25 | Harbor Light | 41Lost or stolen | Donor outreach | 1 | Recovered | $35 | $0.10 | 7511a2a8…8612 |
| 15758 | FG-25988Jun 26 | Lumen Arts | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | b482a189…7591 |
| 15759 | FG-25989Jul 26 | Lumen Arts | R02ACH R02 closed | Donor outreach | 1 | Recovered | $70 | $0.10 | acf42405…59eb |
| 15760 | FG-25990Dec 25 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $500 | $0.10 | 34b43144…c2f9 |
| 15761 | FG-25991Feb 26 | Northgate | 01Do not honor | Retry schedule | 2 | Recovered | $500 | $0.20 | 72cc8593…2194 |
| 15762 | FG-25992Jun 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | de9043cd…d7e0 |
| 15763 | FG-25993Aug 26 | Northgate | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 3ebaf6f4…f199 |
| 15764 | FG-25994Sep 26 | Northgate | 63Suspected fraud | Donor outreach | 1 | Recovered | $500 | $0.10 | e619552e…15d7 |
| 15765 | FG-25995Dec 25 | Lumen Arts | 01Do not honor | Retry schedule | 1 | Recovered | $70 | $0.10 | e3d86507…28c8 |
| 15766 | FG-25996Jun 26 | Lumen Arts | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | e5f86872…3acf |
| 15767 | FG-25997Aug 26 | Lumen Arts | 63Suspected fraud | Donor outreach | 1 | Recovered | $70 | $0.10 | e84bfb85…0e08 |
| 15768 | FG-25998Feb 26 | Harbor Light | 96Issuer unavailable | Retry schedule | 3 | Not recovered | — | $0.30 | 08bdb1e9…c01f |
| 15769 | FG-25999Mar 26 | Harbor Light | 54Expired card | Donor outreach | 1 | Recovered | $10 | $0.10 | 60969e5f…d4cb |
| 15770 | FG-26000Sep 26 | Harbor Light | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 88fcb493…8073 |
| 15771 | FG-26001May 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 2c085357…954c |
| 15772 | FG-26002Dec 25 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 63cc5800…94d0 |
| 15773 | FG-26003Jun 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 2704682f…478b |
| 15774 | FG-26004Mar 26 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $140 | $0.10 | 85ea3a81…22f9 |
| 15775 | FG-26005Oct 25 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | 4e3f9b3a…0f54 |
| 15776 | FG-26006Jun 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $40 | $0.20 | 60c1b53a…48e1 |
| 15777 | FG-26007Aug 26 | Riverbend | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 63a43356…4b8c |
| 15778 | FG-26008Sep 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | 2bb8e6e1…92b2 |
| 15779 | FG-26009Dec 25 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 8d9e71ea…f2ce |
| 15780 | FG-26010Jan 26 | Riverbend | 05Do not honor | Retry schedule | 1 | Recovered | $20 | $0.10 | 17a89e37…9212 |
| 15781 | FG-26011Aug 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 6b0ea9a0…1f04 |
| 15782 | FG-26012Dec 25 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | bfceaa3f…10d0 |
| 15783 | FG-26013Jan 26 | Lumen Arts | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 4a9e7471…12c0 |
| 15784 | FG-26014Apr 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 3f8e4679…3623 |
| 15785 | FG-26015Jan 26 | Northgate | 01Do not honor | Retry schedule | 2 | Recovered | $45 | $0.20 | e8f20499…43fa |
| 15786 | FG-26016Sep 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | c2f36f04…d51b |
| 15787 | FG-26017Jul 26 | Lumen Arts | 33Expired card | Donor outreach | 1 | Recovered | $110 | $0.10 | ccca1e2e…7d4a |
| 15788 | FG-26018Mar 26 | Northgate | 63Suspected fraud | Donor outreach | 1 | Recovered | $45 | $0.10 | 746ced5a…ef85 |
| 15789 | FG-26019Dec 25 | Riverbend | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 37f4bf5d…7d20 |
| 15790 | FG-26020May 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 81820ea5…8782 |
| 15791 | FG-26021Feb 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 3 | Recovered | $10 | $0.30 | 373f0b2a…b549 |
| 15792 | FG-26022Oct 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 0bec1969…ed68 |
| 15793 | FG-26023Jul 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | de60d59b…de50 |
| 15794 | FG-26024Jan 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $70 | $0.10 | dd4f2f1e…3f13 |
| 15795 | FG-26025Feb 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | 1e053e19…f32a |
| 15796 | FG-26026Apr 26 | Lumen Arts | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 8fc1d829…0174 |
| 15797 | FG-26027Jul 26 | Northgate | 65Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | 99e551c3…b035 |
| 15798 | FG-26028Oct 25 | Cedar Valley | 62Account closed | Donor outreach | 1 | Recovered | $15 | $0.10 | 385aa169…7715 |
| 15799 | FG-26029Dec 25 | Northgate | 43Lost or stolen | Donor outreach | 1 | Recovered | $35 | $0.10 | 5df93128…349e |
| 15800 | FG-26030Jan 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 5fec7cab…c1ec |
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.