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 |
|---|---|---|---|---|---|---|---|---|---|
| 19101 | FG-29331May 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | a35900f3…32e1 |
| 19102 | FG-29332Oct 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 8e295406…247e |
| 19103 | FG-29333Dec 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 4935959c…d4af |
| 19104 | FG-29334Feb 26 | Riverbend | 05Do not honor | Retry schedule | 2 | Recovered | $15 | $0.20 | a9a10773…0710 |
| 19105 | FG-29335Mar 26 | Riverbend | 02Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | daf32e83…25cf |
| 19106 | FG-29336Aug 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 995cef0c…860f |
| 19107 | FG-29337May 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | b59e4790…c0c6 |
| 19108 | FG-29338Jun 26 | Cedar Valley | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | b5d11e8c…42a8 |
| 19109 | FG-29339Sep 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | 6129b47d…07d6 |
| 19110 | FG-29340Oct 25 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $40 | $0.10 | 37e77b35…5f8a |
| 19111 | FG-29341Feb 26 | Northgate | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 94e9889c…cdc5 |
| 19112 | FG-29342May 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $40 | $0.10 | 44def9bf…a4ed |
| 19113 | FG-29343Oct 25 | Harbor Light | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | e1f8bbb3…d05d |
| 19114 | FG-29344Dec 25 | Harbor Light | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | cbdd94f5…9ae8 |
| 19115 | FG-29345Oct 25 | Riverbend | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | e3c15866…f144 |
| 19116 | FG-29346Jun 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | f5113829…8030 |
| 19117 | FG-29347Mar 26 | Northgate | R09ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | e3fef5ae…2742 |
| 19118 | FG-29348Apr 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | b18bcc86…8375 |
| 19119 | FG-29349Apr 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | b9a1ea16…2a6d |
| 19120 | FG-29350Jul 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | a18463e5…6101 |
| 19121 | FG-29351Sep 26 | Riverbend | 02Do not honor | Retry schedule | 3 | Recovered | $15 | $0.30 | c63e636b…4c13 |
| 19122 | FG-29352Dec 25 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 86c94e44…0aca |
| 19123 | FG-29353Sep 26 | Riverbend | 46Account closed | Donor outreach | 1 | Not recovered | — | $0.10 | 4737658b…d3a9 |
| 19124 | FG-29354Jun 26 | Northgate | 01Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 431ff54e…44c2 |
| 19125 | FG-29355Feb 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | f1becccd…0c94 |
| 19126 | FG-29356Jan 26 | Harbor Light | 65Insufficient funds | Retry schedule | 2 | Recovered | $120 | $0.20 | e63d52fb…348d |
| 19127 | FG-29357Jan 26 | Lumen Arts | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | d3878633…5ba7 |
| 19128 | FG-29358Apr 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | f1a33a7a…3d26 |
| 19129 | FG-29359Apr 26 | Cedar Valley | 02Do not honor | Retry schedule | 2 | Recovered | $10 | $0.20 | e6dd042a…cb12 |
| 19130 | FG-29360Jan 26 | Northgate | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 9d2154e0…03ed |
| 19131 | FG-29361Feb 26 | Northgate | 05Do not honor | Retry schedule | 2 | Recovered | $100 | $0.20 | 831773fa…ad5f |
| 19132 | FG-29362Apr 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Recovered | $100 | $0.30 | 3f45cd48…714f |
| 19133 | FG-29363Jul 26 | Northgate | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 8a2ab424…9328 |
| 19134 | FG-29364Aug 26 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $100 | $0.10 | 5b312dfe…a1cd |
| 19135 | FG-29365Jun 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | dcff1c51…41d1 |
| 19136 | FG-29366Mar 26 | Harbor Light | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 234fd558…04fc |
| 19137 | FG-29367Jul 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 81575b10…9d51 |
| 19138 | FG-29368Feb 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 08c4de8c…7388 |
| 19139 | FG-29369May 26 | Northgate | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | c34120c6…2a13 |
| 19140 | FG-29370Jun 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 99ab956b…66db |
| 19141 | FG-29371Jun 26 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | f21c5a55…a767 |
| 19142 | FG-29372Apr 26 | Lumen Arts | 54Expired card | Card updater, then retry | 1 | Recovered | $40 | $0.10 | 524147d9…ad6c |
| 19143 | FG-29373Jun 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | a08683e3…c99f |
| 19144 | FG-29374Nov 25 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 8fd8945d…cdb8 |
| 19145 | FG-29375Jan 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $10 | $0.10 | 40f60057…49d7 |
| 19146 | FG-29376Apr 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | a89e2029…39a9 |
| 19147 | FG-29377Sep 26 | Lumen Arts | R01ACH R01 funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 217f2a94…507a |
| 19148 | FG-29378Dec 25 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 170016ff…500b |
| 19149 | FG-29379Apr 26 | Northgate | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | dbae0454…0b43 |
| 19150 | FG-29380May 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 6417a5f8…75e3 |
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.