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 |
|---|---|---|---|---|---|---|---|---|---|
| 17001 | FG-27231Jul 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $45 | $0.20 | 52213fdd…e770 |
| 17002 | FG-27232Aug 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 336c83ac…51e0 |
| 17003 | FG-27233Oct 25 | Northgate | R09ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 7bd341cb…466d |
| 17004 | FG-27234Aug 26 | Northgate | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | fcbe517f…5027 |
| 17005 | FG-27235Jul 26 | Northgate | 65Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | e20dc423…7370 |
| 17006 | FG-27236Oct 25 | Riverbend | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 656c2cb3…fc5a |
| 17007 | FG-27237Feb 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | ae7faea6…0d43 |
| 17008 | FG-27238Apr 26 | Riverbend | 78Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 01b3d45d…fef5 |
| 17009 | FG-27239Aug 26 | Riverbend | 63Suspected fraud | Donor outreach | 1 | Not recovered | — | $0.10 | b1ea79b0…8f8b |
| 17010 | FG-27240Oct 25 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $5 | $0.10 | 96f853f3…d7d5 |
| 17011 | FG-27241Nov 25 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 836dd8e4…e1a4 |
| 17012 | FG-27242Nov 25 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 142ef6e9…d047 |
| 17013 | FG-27243Jul 26 | Riverbend | 33Expired card | Card updater, then retry | 1 | Recovered | $70 | $0.10 | eb76fc64…199a |
| 17014 | FG-27244Jan 26 | Northgate | 05Do not honor | Retry schedule | 4 | Recovered | $110 | $0.40 | 5e9cfd90…6666 |
| 17015 | FG-27245Oct 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | dfb5f9c2…ca6f |
| 17016 | FG-27246Mar 26 | Riverbend | 41Lost or stolen | Donor outreach | 1 | Recovered | $35 | $0.10 | 8040015c…172e |
| 17017 | FG-27247Sep 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 0a8ad0e5…2cb8 |
| 17018 | FG-27248Oct 25 | Harbor Light | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | dc1bb0b5…7a1e |
| 17019 | FG-27249Jan 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $90 | $0.10 | dc4276a6…2a24 |
| 17020 | FG-27250May 26 | Harbor Light | 91Issuer unavailable | Retry schedule | 1 | Recovered | $90 | $0.10 | 4dc7085b…23f5 |
| 17021 | FG-27251Jul 26 | Harbor Light | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | f05ab576…a3c8 |
| 17022 | FG-27252Jul 26 | Harbor Light | 54Expired card | Card updater, then retry | 2 | Recovered | $70 | $0.20 | 80895c90…a089 |
| 17023 | FG-27253Jul 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $190 | $0.10 | 6bd621c5…cbe8 |
| 17024 | FG-27254Dec 25 | Riverbend | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 08623e3a…17a2 |
| 17025 | FG-27255May 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 3b408f77…61cc |
| 17026 | FG-27256Sep 26 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | 7f392b83…4678 |
| 17027 | FG-27257Aug 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | ecb4d08c…221e |
| 17028 | FG-27258Dec 25 | Northgate | 96Issuer unavailable | Retry schedule | 1 | Recovered | $140 | $0.10 | 74dbf121…1159 |
| 17029 | FG-27259Nov 25 | Cedar Valley | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | a2086a70…ad75 |
| 17030 | FG-27260Dec 25 | Riverbend | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 1855b7ee…fbf1 |
| 17031 | FG-27261Nov 25 | Northgate | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | f637772c…a46e |
| 17032 | FG-27262Oct 25 | Harbor Light | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 2e90e5e4…3e87 |
| 17033 | FG-27263May 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | ccf18b4a…213f |
| 17034 | FG-27264Aug 26 | Harbor Light | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 08799ed9…609e |
| 17035 | FG-27265Mar 26 | Harbor Light | 19Issuer unavailable | Retry schedule | 2 | Recovered | $20 | $0.20 | 1245b2e5…fdc9 |
| 17036 | FG-27266Oct 25 | Riverbend | 96Issuer unavailable | Retry schedule | 1 | Recovered | $35 | $0.10 | 089313da…4651 |
| 17037 | FG-27267Apr 26 | Riverbend | 59Suspected fraud | Donor outreach | 1 | Recovered | $70 | $0.10 | 973ffb2f…08fb |
| 17038 | FG-27268Sep 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | b7a7aac3…a88d |
| 17039 | FG-27269Apr 26 | Riverbend | 54Expired card | Card updater, then retry | 2 | Recovered | $15 | $0.20 | 620e2fa5…7991 |
| 17040 | FG-27270Jun 26 | Riverbend | 02Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | 260c4f82…5ecb |
| 17041 | FG-27271Oct 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | e2ca8510…638a |
| 17042 | FG-27272Aug 26 | Riverbend | 96Issuer unavailable | Retry schedule | 1 | Recovered | $15 | $0.10 | 1ed85d33…5769 |
| 17043 | FG-27273May 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | db1b48ad…4068 |
| 17044 | FG-27274Aug 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 8b538e72…5745 |
| 17045 | FG-27275Jul 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 23b6abee…8e0c |
| 17046 | FG-27276Nov 25 | Northgate | 51Insufficient funds | Retry schedule | 3 | Recovered | $25 | $0.30 | 7975a703…2683 |
| 17047 | FG-27277Mar 26 | Harbor Light | 51Insufficient funds | Retry schedule | 4 | Recovered | $60 | $0.40 | da5eb77e…0cc3 |
| 17048 | FG-27278Nov 25 | Cedar Valley | 96Issuer unavailable | Retry schedule | 1 | Recovered | $20 | $0.10 | 80daa8b7…1483 |
| 17049 | FG-27279Jan 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Recovered | $50 | $0.30 | 489e9cf1…ec85 |
| 17050 | FG-27280Aug 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | eca46dbb…27ec |
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.