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 |
|---|---|---|---|---|---|---|---|---|---|
| 19701 | FG-29931Oct 25 | Cedar Valley | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 109e8f84…7af2 |
| 19702 | FG-29932Apr 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 0f759bf9…c456 |
| 19703 | FG-29933Apr 26 | Cedar Valley | 01Do not honor | Retry schedule | 1 | Recovered | $10 | $0.10 | ca1d78e7…c494 |
| 19704 | FG-29934Jul 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | ce4ea10f…ce7c |
| 19705 | FG-29935Jul 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $45 | $0.10 | a4ab01ce…52df |
| 19706 | FG-29936Dec 25 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $140 | $0.10 | d9221a8b…a82c |
| 19707 | FG-29937Sep 26 | Northgate | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | dacd21a3…5e10 |
| 19708 | FG-29938Sep 26 | Harbor Light | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | f2480d8f…3879 |
| 19709 | FG-29939Jan 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Stopped | — | $0.10 | 95c483a9…598a |
| 19710 | FG-29940Feb 26 | Harbor Light | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | a38a05ec…1ab2 |
| 19711 | FG-29941Apr 26 | Cedar Valley | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | b79c0970…1f62 |
| 19712 | FG-29942Aug 26 | Cedar Valley | 41Lost or stolen | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 2415f265…f26a |
| 19713 | FG-29943Sep 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | d07d9e8e…575a |
| 19714 | FG-29944Mar 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | e23e32ba…2d71 |
| 19715 | FG-29945Jan 26 | Riverbend | R02ACH R02 closed | Donor outreach | 1 | Recovered | $60 | $0.10 | 6507a0b8…88dc |
| 19716 | FG-29946Feb 26 | Riverbend | R01ACH R01 funds | Retry schedule | 2 | Recovered | $60 | $0.20 | 1c1ef081…d133 |
| 19717 | FG-29947Oct 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 5ed5bc08…3f9c |
| 19718 | FG-29948Apr 26 | Riverbend | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 98ea63a6…c004 |
| 19719 | FG-29949Dec 25 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 4c45c627…9620 |
| 19720 | FG-29950May 26 | Harbor Light | 41Lost or stolen | Donor outreach | 1 | Recovered | $35 | $0.10 | a07276b1…375e |
| 19721 | FG-29951Sep 26 | Northgate | 01Do not honor | Retry schedule | 2 | Recovered | $130 | $0.20 | 338b2493…6a4c |
| 19722 | FG-29952Aug 26 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $20 | $0.20 | 61ef7900…4e07 |
| 19723 | FG-29953Dec 25 | Cedar Valley | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | b72a3f9b…780e |
| 19724 | FG-29954Mar 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | bb0a2167…01f2 |
| 19725 | FG-29955Sep 26 | Cedar Valley | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 151cd324…777c |
| 19726 | FG-29956May 26 | Northgate | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 2bb8be39…cae0 |
| 19727 | FG-29957Oct 25 | Cedar Valley | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | f775a8b7…0cd5 |
| 19728 | FG-29958Dec 25 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 30a180ed…7223 |
| 19729 | FG-29959Aug 26 | Cedar Valley | R09ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 0a51bd17…6073 |
| 19730 | FG-29960Apr 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 3 | Recovered | $20 | $0.30 | d855dabb…9dee |
| 19731 | FG-29961Jan 26 | Harbor Light | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 77cc69da…9314 |
| 19732 | FG-29962Apr 26 | Harbor Light | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 5ade1a35…14b7 |
| 19733 | FG-29963Nov 25 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | d0bb4ad5…b107 |
| 19734 | FG-29964Jun 26 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | aa9ae305…268e |
| 19735 | FG-29965Feb 26 | Harbor Light | 78Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 0eb555f4…c071 |
| 19736 | FG-29966Apr 26 | Harbor Light | 02Do not honor | Retry schedule | 1 | Recovered | $35 | $0.10 | f29c7aad…8c7b |
| 19737 | FG-29967May 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | d58bcff6…32ea |
| 19738 | FG-29968Sep 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 10aaf4d9…9d0c |
| 19739 | FG-29969Jul 26 | Riverbend | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 95e1e4e0…8410 |
| 19740 | FG-29970Jan 26 | Riverbend | 01Do not honor | Retry schedule | 2 | Recovered | $45 | $0.20 | b7ae68ca…c481 |
| 19741 | FG-29971Jan 26 | Cedar Valley | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | e70cfa49…7fb0 |
| 19742 | FG-29972Apr 26 | Cedar Valley | 78Account closed | Donor outreach | 1 | Not recovered | — | $0.10 | bbcf4865…39af |
| 19743 | FG-29973May 26 | Cedar Valley | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | f27b40cd…1a0f |
| 19744 | FG-29974Jan 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Recovered | $35 | $0.20 | 77899559…29e9 |
| 19745 | FG-29975Jan 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 2 | Recovered | $30 | $0.20 | e81d3d25…1c89 |
| 19746 | FG-29976Jun 26 | Lumen Arts | 19Issuer unavailable | Retry schedule | 2 | Recovered | $30 | $0.20 | a8759c42…e2b2 |
| 19747 | FG-29977Nov 25 | Riverbend | 33Expired card | Card updater, then retry | 2 | Recovered | $45 | $0.20 | f1b29c4e…e5c7 |
| 19748 | FG-29978Dec 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | 924e32b8…7845 |
| 19749 | FG-29979Nov 25 | Harbor Light | 15Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 641a8b49…13d2 |
| 19750 | FG-29980Oct 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 195227db…38bf |
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.