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 |
|---|---|---|---|---|---|---|---|---|---|
| 15851 | FG-26081May 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | f9bb39f6…2f76 |
| 15852 | FG-26082Nov 25 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $5 | $0.10 | da980f8d…f760 |
| 15853 | FG-26083Feb 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $5 | $0.10 | eaa20108…afd4 |
| 15854 | FG-26084Dec 25 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | 62fbe054…eb5e |
| 15855 | FG-26085Oct 25 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $100 | $0.10 | eb1f7f86…9e6c |
| 15856 | FG-26086Jul 26 | Northgate | 05Do not honor | Retry schedule | 3 | Recovered | $100 | $0.30 | 10a615cb…b52b |
| 15857 | FG-26087Dec 25 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | d80f8871…73ed |
| 15858 | FG-26088Nov 25 | Riverbend | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | fcc73065…cbbe |
| 15859 | FG-26089Aug 26 | Riverbend | 19Issuer unavailable | Retry schedule | 3 | Stopped | — | $0.30 | be1c60be…5e2b |
| 15860 | FG-26090Dec 25 | Harbor Light | 62Account closed | Donor outreach | 1 | Recovered | $10 | $0.10 | 5ba56b49…c9f5 |
| 15861 | FG-26091Jun 26 | Riverbend | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 842e7028…76a1 |
| 15862 | FG-26092Jan 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 4730822c…8c06 |
| 15863 | FG-26093Jun 26 | Cedar Valley | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | b7a6f4a9…9402 |
| 15864 | FG-26094Aug 26 | Cedar Valley | 05Do not honor | Retry schedule | 1 | Recovered | $60 | $0.10 | 5a1d5173…6548 |
| 15865 | FG-26095Aug 26 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $10 | $0.10 | f8c22d84…3d84 |
| 15866 | FG-26096May 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 0fe17232…6d3b |
| 15867 | FG-26097Jul 26 | Riverbend | 05Do not honor | Retry schedule | 1 | Recovered | $25 | $0.10 | 5900b47f…72eb |
| 15868 | FG-26098Sep 26 | Lumen Arts | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | a7065eb8…b9e5 |
| 15869 | FG-26099Nov 25 | Riverbend | 05Do not honor | Retry schedule | 4 | Recovered | $5 | $0.40 | 626e871c…2372 |
| 15870 | FG-26100Jul 26 | Riverbend | 46Account closed | Donor outreach | 1 | Recovered | $5 | $0.10 | 33fd7889…fba9 |
| 15871 | FG-26101Sep 26 | Riverbend | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 74b35122…65a7 |
| 15872 | FG-26102Mar 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | e9bb4475…10f0 |
| 15873 | FG-26103Aug 26 | Harbor Light | 61Insufficient funds | Retry schedule | 3 | Recovered | $35 | $0.30 | f79db76b…2558 |
| 15874 | FG-26104May 26 | Riverbend | R04ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 5b831f31…0ee7 |
| 15875 | FG-26105Nov 25 | Harbor Light | 54Expired card | Card updater, then retry | 2 | Recovered | $80 | $0.20 | 009665b2…6bcd |
| 15876 | FG-26106May 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $80 | $0.10 | 3fadd39d…f4f4 |
| 15877 | FG-26107Mar 26 | Riverbend | R04ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 5f5f5c7d…9126 |
| 15878 | FG-26108Nov 25 | Northgate | 02Do not honor | Retry schedule | 2 | Recovered | $50 | $0.20 | 59fcc0d7…d6ab |
| 15879 | FG-26109Aug 26 | Harbor Light | 91Issuer unavailable | Retry schedule | 2 | Recovered | $15 | $0.20 | 249de9e6…fbdf |
| 15880 | FG-26110Jun 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 711328c0…6539 |
| 15881 | FG-26111Mar 26 | Cedar Valley | R09ACH R01 funds | Retry schedule | 2 | Recovered | $130 | $0.20 | b22cf0f8…57ec |
| 15882 | FG-26112Oct 25 | Lumen Arts | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | c87f9439…9e24 |
| 15883 | FG-26113Jun 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 3 | Recovered | $60 | $0.30 | 20968610…093c |
| 15884 | FG-26114Aug 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | a86a6f03…71a2 |
| 15885 | FG-26115Oct 25 | Northgate | 05Do not honor | Retry schedule | 2 | Recovered | $90 | $0.20 | cb8756d5…89a4 |
| 15886 | FG-26116Dec 25 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | cfd89e4c…b73d |
| 15887 | FG-26117Jan 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 450670e5…8ec6 |
| 15888 | FG-26118Feb 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | b0a05bfe…d107 |
| 15889 | FG-26119Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 1bec0b5d…e2af |
| 15890 | FG-26120Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 68ce885b…2a2f |
| 15891 | FG-26121Jan 26 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | baac39d6…5cde |
| 15892 | FG-26122Jun 26 | Northgate | R09ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | cab7abfc…3fcc |
| 15893 | FG-26123Nov 25 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 2d635e47…6592 |
| 15894 | FG-26124Jul 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | 9beefa55…d263 |
| 15895 | FG-26125Oct 25 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $70 | $0.20 | 462c1907…6c4a |
| 15896 | FG-26126Feb 26 | Harbor Light | R09ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | 2e61dd4f…49d6 |
| 15897 | FG-26127Feb 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 586d119e…f59b |
| 15898 | FG-26128May 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $80 | $0.10 | f4e1494e…4275 |
| 15899 | FG-26129Oct 25 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $45 | $0.10 | fed195f6…7a3a |
| 15900 | FG-26130Sep 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 1 | Not recovered | — | $0.10 | 644bc5a7…3c79 |
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.