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 |
|---|---|---|---|---|---|---|---|---|---|
| 17301 | FG-27531Nov 25 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | 4217f350…3979 |
| 17302 | FG-27532Jan 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | 47738a05…3a35 |
| 17303 | FG-27533Jul 26 | Harbor Light | 78Account closed | Donor outreach | 0 | Stopped | — | $0.00 | b3b62f58…3661 |
| 17304 | FG-27534Jan 26 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $80 | $0.10 | fe8bcbbb…1506 |
| 17305 | FG-27535Aug 26 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $80 | $0.10 | 98e58dc0…acf7 |
| 17306 | FG-27536Sep 26 | Northgate | 57Invalid card | Donor outreach | 1 | Recovered | $80 | $0.10 | 84562dc4…bccd |
| 17307 | FG-27537Dec 25 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 92464aea…e1c9 |
| 17308 | FG-27538Jul 26 | Harbor Light | 01Do not honor | Retry schedule | 2 | Recovered | $20 | $0.20 | 03195e81…fd67 |
| 17309 | FG-27539Jul 26 | Harbor Light | 02Do not honor | Retry schedule | 2 | Recovered | $80 | $0.20 | 504dd5ca…6c27 |
| 17310 | FG-27540Jun 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | e79f3293…3b2c |
| 17311 | FG-27541Jun 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $45 | $0.10 | fb76e977…e906 |
| 17312 | FG-27542Aug 26 | Northgate | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | bf5c650e…5510 |
| 17313 | FG-27543Feb 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 9a0ef113…b23e |
| 17314 | FG-27544Mar 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | a0ae9a5e…66d9 |
| 17315 | FG-27545Jun 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 8af8874a…932a |
| 17316 | FG-27546Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 2e288a3b…d41b |
| 17317 | FG-27547Mar 26 | Harbor Light | 54Expired card | Donor outreach | 1 | Recovered | $60 | $0.10 | 52130d8b…1f17 |
| 17318 | FG-27548Sep 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | f89cd7f1…2e83 |
| 17319 | FG-27549Oct 25 | Riverbend | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 69df5ffd…151c |
| 17320 | FG-27550Nov 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $100 | $0.10 | 5a93685b…d326 |
| 17321 | FG-27551Apr 26 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 02ca04b6…1353 |
| 17322 | FG-27552Jun 26 | Riverbend | 96Issuer unavailable | Retry schedule | 1 | Recovered | $50 | $0.10 | 5634fb6e…3ae0 |
| 17323 | FG-27553Mar 26 | Riverbend | R09ACH R01 funds | Retry schedule | 2 | Recovered | $10 | $0.20 | 8d76bc4b…c348 |
| 17324 | FG-27554Mar 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 036329e7…8e46 |
| 17325 | FG-27555Oct 25 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $160 | $0.10 | 2da0d334…edc8 |
| 17326 | FG-27556Aug 26 | Riverbend | 91Issuer unavailable | Retry schedule | 1 | Recovered | $160 | $0.10 | 99b313b0…4369 |
| 17327 | FG-27557Aug 26 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | ebf5c268…8ffa |
| 17328 | FG-27558Jun 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 7355710e…3f69 |
| 17329 | FG-27559Apr 26 | Riverbend | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 77299052…4521 |
| 17330 | FG-27560May 26 | Riverbend | 05Do not honor | Retry schedule | 2 | Recovered | $15 | $0.20 | 83f58f73…67e4 |
| 17331 | FG-27561Mar 26 | Harbor Light | R09ACH R01 funds | Retry schedule | 2 | Recovered | $120 | $0.20 | 0db618fa…c618 |
| 17332 | FG-27562Oct 25 | Harbor Light | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 9bc6e932…c877 |
| 17333 | FG-27563Dec 25 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 1e6a15df…ce34 |
| 17334 | FG-27564May 26 | Harbor Light | 02Do not honor | Retry schedule | 3 | Recovered | $30 | $0.30 | 50c7038b…f214 |
| 17335 | FG-27565May 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 0709ef22…b825 |
| 17336 | FG-27566Jul 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 2 | Recovered | $70 | $0.20 | 65241309…c623 |
| 17337 | FG-27567Aug 26 | Lumen Arts | 33Expired card | Card updater, then retry | 1 | Recovered | $70 | $0.10 | 317ed3d4…a3e4 |
| 17338 | FG-27568Sep 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | db02787b…4d3a |
| 17339 | FG-27569Apr 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 74bd5a0f…94ec |
| 17340 | FG-27570Nov 25 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 1088809c…4d37 |
| 17341 | FG-27571Apr 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 4d874c68…270c |
| 17342 | FG-27572Jul 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 7990aa63…1df3 |
| 17343 | FG-27573Dec 25 | Riverbend | 41Lost or stolen | Card updater, then retry | 1 | Recovered | $225 | $0.10 | d3f44ea9…8a30 |
| 17344 | FG-27574Jun 26 | Harbor Light | 65Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | aa5314f7…9955 |
| 17345 | FG-27575Dec 25 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | ba06288e…1947 |
| 17346 | FG-27576Sep 26 | Riverbend | 43Lost or stolen | Card updater, then retry | 1 | Recovered | $40 | $0.10 | 638c8307…1cf0 |
| 17347 | FG-27577Oct 25 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | a2593ec3…a661 |
| 17348 | FG-27578Mar 26 | Harbor Light | 15Invalid card | Donor outreach | 1 | Recovered | $20 | $0.10 | bf003000…7f10 |
| 17349 | FG-27579Jul 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | cb60afa9…65f9 |
| 17350 | FG-27580Oct 25 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $30 | $0.20 | 35d91c5c…44e3 |
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.