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 |
|---|---|---|---|---|---|---|---|---|---|
| 18451 | FG-28681Jan 26 | Cedar Valley | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 796f32c2…f89a |
| 18452 | FG-28682Apr 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $80 | $0.10 | 140b7042…2c27 |
| 18453 | FG-28683Jun 26 | Cedar Valley | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 7c71c95f…7973 |
| 18454 | FG-28684Feb 26 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $70 | $0.10 | 6f3060fe…a3f8 |
| 18455 | FG-28685Jun 26 | Northgate | 54Expired card | Donor outreach | 1 | Recovered | $70 | $0.10 | 3e71c0d1…c78d |
| 18456 | FG-28686Mar 26 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | f41bdfdd…249f |
| 18457 | FG-28687Sep 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $225 | $0.10 | 8dcba8cc…fc61 |
| 18458 | FG-28688Mar 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Recovered | $50 | $0.20 | d3a39785…e36f |
| 18459 | FG-28689Apr 26 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $20 | $0.20 | e81bb1b1…2274 |
| 18460 | FG-28690Jan 26 | Riverbend | 91Issuer unavailable | Retry schedule | 1 | Recovered | $70 | $0.10 | 666e654a…d6f8 |
| 18461 | FG-28691Jul 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 67f34e01…10ea |
| 18462 | FG-28692Aug 26 | Harbor Light | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 6b0b8608…70bf |
| 18463 | FG-28693Jun 26 | Harbor Light | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 5a41c9fd…a4c0 |
| 18464 | FG-28694Oct 25 | Cedar Valley | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 4a0e17bc…2356 |
| 18465 | FG-28695Mar 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 1 | Recovered | $35 | $0.10 | 58c1f712…8ff9 |
| 18466 | FG-28696Jul 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $20 | $0.20 | b3c8e149…4f8c |
| 18467 | FG-28697Jan 26 | Harbor Light | 54Expired card | Donor outreach | 1 | Recovered | $80 | $0.10 | 6a039c60…63cc |
| 18468 | FG-28698May 26 | Lumen Arts | 43Lost or stolen | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 45ab5e93…5733 |
| 18469 | FG-28699Oct 25 | Lumen Arts | 91Issuer unavailable | Retry schedule | 1 | Recovered | $20 | $0.10 | 856b925e…5b94 |
| 18470 | FG-28700Apr 26 | Lumen Arts | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 7fd4998c…61ee |
| 18471 | FG-28701Nov 25 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | fb303b00…5682 |
| 18472 | FG-28702Nov 25 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | a63e3678…6d18 |
| 18473 | FG-28703Apr 26 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | 5b3bac40…ee15 |
| 18474 | FG-28704Sep 26 | Riverbend | 96Issuer unavailable | Retry schedule | 1 | Recovered | $15 | $0.10 | 83bce303…ffd9 |
| 18475 | FG-28705Feb 26 | Harbor Light | R09ACH R01 funds | Retry schedule | 1 | Recovered | $10 | $0.10 | f6b10819…aa0c |
| 18476 | FG-28706May 26 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 5887b239…fc1c |
| 18477 | FG-28707Dec 25 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 791325e3…3c30 |
| 18478 | FG-28708May 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $5 | $0.10 | 2bf42508…2b1e |
| 18479 | FG-28709Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 15f7aec4…e3fd |
| 18480 | FG-28710Nov 25 | Riverbend | 61Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 56c08321…1c7d |
| 18481 | FG-28711Mar 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 5c1b805d…c7a1 |
| 18482 | FG-28712Feb 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 24db1f6e…4d14 |
| 18483 | FG-28713Mar 26 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | e19c2f44…f45f |
| 18484 | FG-28714Apr 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $35 | $0.20 | d8e58d6f…4853 |
| 18485 | FG-28715May 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 9282d22b…7880 |
| 18486 | FG-28716Jun 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 1d002a89…9d33 |
| 18487 | FG-28717Aug 26 | Northgate | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | a2ff9b0c…a393 |
| 18488 | FG-28718Dec 25 | Cedar Valley | R01ACH R01 funds | Retry schedule | 2 | Recovered | $10 | $0.20 | 491a33c7…582a |
| 18489 | FG-28719Apr 26 | Cedar Valley | R02ACH R02 closed | Donor outreach | 1 | Recovered | $10 | $0.10 | 9fa30a85…f7a2 |
| 18490 | FG-28720Feb 26 | Lumen Arts | 33Expired card | Donor outreach | 1 | Recovered | $35 | $0.10 | 1539ee6c…f09b |
| 18491 | FG-28721Jun 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 808dc57f…5a5a |
| 18492 | FG-28722May 26 | Riverbend | 91Issuer unavailable | Retry schedule | 2 | Recovered | $15 | $0.20 | 9ab574f5…a8ea |
| 18493 | FG-28723Aug 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $35 | $0.20 | b9840067…2e72 |
| 18494 | FG-28724Oct 25 | Lumen Arts | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 5b1f23c8…60ec |
| 18495 | FG-28725Nov 25 | Lumen Arts | 02Do not honor | Retry schedule | 2 | Recovered | $45 | $0.20 | 6ffda0a8…b207 |
| 18496 | FG-28726Jan 26 | Lumen Arts | 05Do not honor | Retry schedule | 3 | Recovered | $45 | $0.30 | f09e87b1…319b |
| 18497 | FG-28727Feb 26 | Lumen Arts | 91Issuer unavailable | Retry schedule | 1 | Recovered | $45 | $0.10 | c941a925…33c1 |
| 18498 | FG-28728Jan 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 24e47294…881b |
| 18499 | FG-28729May 26 | Lumen Arts | 46Account closed | Donor outreach | 1 | Recovered | $100 | $0.10 | 651691ea…e3df |
| 18500 | FG-28730May 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $5 | $0.10 | 5c46250f…5e21 |
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.