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 |
|---|---|---|---|---|---|---|---|---|---|
| 27001 | FG-37231Nov 25 | Riverbend | 15Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 9ba9240d…b8f3 |
| 27002 | FG-37232Dec 25 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | 4528113d…a599 |
| 27003 | FG-37233Jan 26 | Riverbend | 14Invalid card | Donor outreach | 1 | Recovered | $25 | $0.10 | 35e55c5f…4c45 |
| 27004 | FG-37234Apr 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | e67ddcfe…86f8 |
| 27005 | FG-37235Feb 26 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $90 | $0.10 | a90843d1…2651 |
| 27006 | FG-37236Jan 26 | Northgate | 54Expired card | Card updater, then retry | 2 | Recovered | $225 | $0.20 | 0701103c…37bc |
| 27007 | FG-37237Jun 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $30 | $0.20 | 4f5b1b37…43c3 |
| 27008 | FG-37238Sep 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $30 | $0.10 | a268c259…17c8 |
| 27009 | FG-37239Dec 25 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | b720eada…aabc |
| 27010 | FG-37240Sep 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 1 | Recovered | $40 | $0.10 | 3c9d5ff8…7599 |
| 27011 | FG-37241Jun 26 | Riverbend | 65Insufficient funds | Retry schedule | 3 | Recovered | $70 | $0.30 | 991a3b89…bc3b |
| 27012 | FG-37242Dec 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | f6b20cf0…d9fd |
| 27013 | FG-37243Feb 26 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $35 | $0.10 | e9b85e31…9f9d |
| 27014 | FG-37244Mar 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $35 | $0.20 | 904e7591…071f |
| 27015 | FG-37245May 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 19e173a1…59cb |
| 27016 | FG-37246Jun 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | b8d9a237…8ea3 |
| 27017 | FG-37247Jan 26 | Lumen Arts | 62Account closed | Donor outreach | 1 | Not recovered | — | $0.10 | e87dc4af…f084 |
| 27018 | FG-37248Nov 25 | Northgate | R02ACH R02 closed | Donor outreach | 1 | Not recovered | — | $0.10 | df4f75ad…c7be |
| 27019 | FG-37249Mar 26 | Harbor Light | 91Issuer unavailable | Retry schedule | 1 | Recovered | $60 | $0.10 | 214bf9d3…116f |
| 27020 | FG-37250Aug 26 | Harbor Light | 59Suspected fraud | Donor outreach | 1 | Recovered | $60 | $0.10 | e6ebecc8…fe3f |
| 27021 | FG-37251Aug 26 | Northgate | 54Expired card | Donor outreach | 1 | Recovered | $45 | $0.10 | 29b6a03b…c545 |
| 27022 | FG-37252Nov 25 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $30 | $0.20 | 6e92920a…9cb2 |
| 27023 | FG-37253Jun 26 | Riverbend | 33Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | 021ab1cb…d4d2 |
| 27024 | FG-37254Jan 26 | Cedar Valley | 19Issuer unavailable | Retry schedule | 1 | Recovered | $20 | $0.10 | 055ef6e4…cab8 |
| 27025 | FG-37255Sep 26 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Recovered | $80 | $0.20 | 04b9b769…d364 |
| 27026 | FG-37256Nov 25 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $60 | $0.20 | 5ea27528…6e19 |
| 27027 | FG-37257Apr 26 | Riverbend | 43Lost or stolen | Donor outreach | 1 | Recovered | $10 | $0.10 | 6a2442b7…416c |
| 27028 | FG-37258Jan 26 | Harbor Light | 19Issuer unavailable | Retry schedule | 2 | Recovered | $20 | $0.20 | 50ae6304…853d |
| 27029 | FG-37259Oct 25 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 66d37c8f…40f2 |
| 27030 | FG-37260Mar 26 | Riverbend | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | eaf12e3e…a7ca |
| 27031 | FG-37261Mar 26 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | a10a77a2…ba5a |
| 27032 | FG-37262Jul 26 | Harbor Light | 01Do not honor | Retry schedule | 3 | Recovered | $15 | $0.30 | 467efd4c…0f78 |
| 27033 | FG-37263Sep 26 | Harbor Light | 02Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | b216904f…e550 |
| 27034 | FG-37264Nov 25 | Lumen Arts | 91Issuer unavailable | Retry schedule | 1 | Recovered | $80 | $0.10 | 829a908b…1b94 |
| 27035 | FG-37265Feb 26 | Lumen Arts | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | f67ce001…348f |
| 27036 | FG-37266Aug 26 | Lumen Arts | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | aacf9798…fc58 |
| 27037 | FG-37267Oct 25 | Lumen Arts | 65Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | d54fa604…808c |
| 27038 | FG-37268Feb 26 | Harbor Light | 01Do not honor | Retry schedule | 1 | Recovered | $80 | $0.10 | ff38d642…286f |
| 27039 | FG-37269Jul 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 0a61e0ad…b0af |
| 27040 | FG-37270Oct 25 | Cedar Valley | 65Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | d36d1c67…981c |
| 27041 | FG-37271Jan 26 | Northgate | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 72c457d4…aade |
| 27042 | FG-37272Mar 26 | Northgate | 05Do not honor | Retry schedule | 4 | Recovered | $35 | $0.40 | 8ffecdb3…e704 |
| 27043 | FG-37273May 26 | Northgate | 65Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 8a087500…a265 |
| 27044 | FG-37274Jun 26 | Northgate | 01Do not honor | Retry schedule | 3 | Recovered | $35 | $0.30 | 274e8e73…423a |
| 27045 | FG-37275Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 3 | Recovered | $35 | $0.30 | f91e877a…51e1 |
| 27046 | FG-37276Jan 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 81ef2bf0…7520 |
| 27047 | FG-37277Mar 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | c54b0f0f…1c62 |
| 27048 | FG-37278May 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 4 | Recovered | $60 | $0.40 | b34f527a…6741 |
| 27049 | FG-37279Sep 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 69c62496…2c23 |
| 27050 | FG-37280Jun 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 8c3b48aa…2e92 |
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.