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 |
|---|---|---|---|---|---|---|---|---|---|
| 26701 | FG-36931Aug 26 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 9f2fb0cc…3787 |
| 26702 | FG-36932Apr 26 | Northgate | 96Issuer unavailable | Retry schedule | 1 | Recovered | $5 | $0.10 | 99f81757…7509 |
| 26703 | FG-36933Mar 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 2 | Stopped | — | $0.20 | c08e7d75…4d00 |
| 26704 | FG-36934Dec 25 | Lumen Arts | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 0060f2e0…c3ed |
| 26705 | FG-36935Jul 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 4 | Recovered | $70 | $0.40 | d3ad4f40…b73f |
| 26706 | FG-36936May 26 | Lumen Arts | 62Account closed | Donor outreach | 1 | Recovered | $70 | $0.10 | e625d61d…cc06 |
| 26707 | FG-36937Mar 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | 7f543306…0f6d |
| 26708 | FG-36938May 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | d41ce35b…00d2 |
| 26709 | FG-36939May 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | f73b55a2…c9e0 |
| 26710 | FG-36940Sep 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Recovered | $20 | $0.20 | ebf45595…f53c |
| 26711 | FG-36941Jan 26 | Northgate | 91Issuer unavailable | Retry schedule | 3 | Recovered | $50 | $0.30 | 4c4a5e4b…5ec2 |
| 26712 | FG-36942Feb 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $50 | $0.10 | 22b1ecec…701a |
| 26713 | FG-36943Oct 25 | Harbor Light | 65Insufficient funds | Retry schedule | 4 | Recovered | $70 | $0.40 | 3ec1bbce…6c56 |
| 26714 | FG-36944Jun 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 70ff1cb1…1d62 |
| 26715 | FG-36945Sep 26 | Northgate | R09ACH R01 funds | Retry schedule | 2 | Recovered | $250 | $0.20 | 20625f47…8751 |
| 26716 | FG-36946Dec 25 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 448907c8…8a1f |
| 26717 | FG-36947Oct 25 | Lumen Arts | 05Do not honor | Retry schedule | 1 | Recovered | $60 | $0.10 | e967a9e3…1d0b |
| 26718 | FG-36948Dec 25 | Lumen Arts | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 19db8dc3…c396 |
| 26719 | FG-36949Jan 26 | Lumen Arts | 19Issuer unavailable | Retry schedule | 1 | Recovered | $60 | $0.10 | 12fb53a9…435a |
| 26720 | FG-36950Aug 26 | Lumen Arts | 33Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | cffb234b…3f3c |
| 26721 | FG-36951Jun 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Recovered | $45 | $0.30 | 9b6f546d…f365 |
| 26722 | FG-36952May 26 | Northgate | R02ACH R02 closed | Donor outreach | 1 | Recovered | $40 | $0.10 | d562842f…4f16 |
| 26723 | FG-36953Dec 25 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | d96c17ef…0690 |
| 26724 | FG-36954Jan 26 | Lumen Arts | 54Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | 9bbee8f5…f8ba |
| 26725 | FG-36955Mar 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | b2d9e29d…51e1 |
| 26726 | FG-36956Apr 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | cb4536a2…c5d5 |
| 26727 | FG-36957Aug 26 | Lumen Arts | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | b22577ac…0b1f |
| 26728 | FG-36958Mar 26 | Harbor Light | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 7fd400bf…1a65 |
| 26729 | FG-36959Apr 26 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 485fae18…406c |
| 26730 | FG-36960Nov 25 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 15714feb…748a |
| 26731 | FG-36961Aug 26 | Riverbend | 02Do not honor | Retry schedule | 3 | Recovered | $45 | $0.30 | a53f8d39…23d8 |
| 26732 | FG-36962Oct 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | a11c9920…d595 |
| 26733 | FG-36963Nov 25 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | 88c43835…64e9 |
| 26734 | FG-36964Jan 26 | Riverbend | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | e1033e2a…1f52 |
| 26735 | FG-36965Feb 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 029e8d21…3606 |
| 26736 | FG-36966Sep 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Recovered | $130 | $0.10 | 01af5257…ec88 |
| 26737 | FG-36967Feb 26 | Northgate | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | d0bc0917…b4a1 |
| 26738 | FG-36968Sep 26 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | c8e8d9cd…b4cd |
| 26739 | FG-36969Sep 26 | Riverbend | 19Issuer unavailable | Retry schedule | 1 | Recovered | $20 | $0.10 | 2ceeaf47…d6ca |
| 26740 | FG-36970Feb 26 | Cedar Valley | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | f7d08567…69c2 |
| 26741 | FG-36971Nov 25 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $5 | $0.10 | ce49bfe7…c559 |
| 26742 | FG-36972Aug 26 | Riverbend | 05Do not honor | Retry schedule | 1 | Recovered | $5 | $0.10 | 3a56e70e…697f |
| 26743 | FG-36973Apr 26 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 9ca2fe13…38bf |
| 26744 | FG-36974Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 133cd25f…0fa4 |
| 26745 | FG-36975Feb 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 3 | Recovered | $25 | $0.30 | 21e42c7c…5045 |
| 26746 | FG-36976May 26 | Cedar Valley | 91Issuer unavailable | Retry schedule | 2 | Recovered | $25 | $0.20 | 74749f8f…6dab |
| 26747 | FG-36977Mar 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | 888174b3…1176 |
| 26748 | FG-36978May 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 4a898d9c…ecfa |
| 26749 | FG-36979Jul 26 | Lumen Arts | 05Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | 6fdcdb08…000e |
| 26750 | FG-36980Apr 26 | Lumen Arts | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | df4ff6cd…44f5 |
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.