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 |
|---|---|---|---|---|---|---|---|---|---|
| 27101 | FG-37331Aug 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | bf689d32…8a26 |
| 27102 | FG-37332Aug 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 81dbfcf7…ceca |
| 27103 | FG-37333Dec 25 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $5 | $0.10 | 98043795…2efd |
| 27104 | FG-37334Feb 26 | Northgate | 65Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | d7da67a4…9300 |
| 27105 | FG-37335Jun 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 46f51271…0e5b |
| 27106 | FG-37336Mar 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $30 | $0.10 | c75a3528…49ff |
| 27107 | FG-37337Dec 25 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | dd9169e8…d720 |
| 27108 | FG-37338Jan 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $35 | $0.20 | 8f0dbf72…640d |
| 27109 | FG-37339Jul 26 | Riverbend | 54Expired card | Donor outreach | 1 | Recovered | $35 | $0.10 | 7d6c45f3…75c6 |
| 27110 | FG-37340Nov 25 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 54983e79…501a |
| 27111 | FG-37341Aug 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | d8ab0f79…ddee |
| 27112 | FG-37342Feb 26 | Lumen Arts | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 5abe5301…d705 |
| 27113 | FG-37343May 26 | Lumen Arts | 33Expired card | Donor outreach | 1 | Recovered | $190 | $0.10 | 9e93d51f…bb9e |
| 27114 | FG-37344Feb 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 7ca365da…48f3 |
| 27115 | FG-37345Jun 26 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | a609b875…65c4 |
| 27116 | FG-37346Jul 26 | Harbor Light | 91Issuer unavailable | Retry schedule | 2 | Recovered | $120 | $0.20 | 18d2d501…1b69 |
| 27117 | FG-37347Feb 26 | Harbor Light | 61Insufficient funds | Retry schedule | 2 | Recovered | $60 | $0.20 | 7aa5c38a…34ad |
| 27118 | FG-37348Jun 26 | Harbor Light | 63Suspected fraud | Donor outreach | 1 | Recovered | $60 | $0.10 | ce535b3f…0aa2 |
| 27119 | FG-37349Aug 26 | Northgate | 54Expired card | Donor outreach | 1 | Recovered | $30 | $0.10 | d384e4cd…7c44 |
| 27120 | FG-37350Feb 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | f2604c05…603a |
| 27121 | FG-37351Mar 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 4d264289…1a6a |
| 27122 | FG-37352Aug 26 | Northgate | 65Insufficient funds | Retry schedule | 2 | Recovered | $90 | $0.20 | b211ba78…82c6 |
| 27123 | FG-37353Mar 26 | Northgate | 91Issuer unavailable | Retry schedule | 3 | Not recovered | — | $0.30 | 77375d1f…a643 |
| 27124 | FG-37354Jun 26 | Northgate | 59Suspected fraud | Donor outreach | 1 | Not recovered | — | $0.10 | aab0a9bf…b8d7 |
| 27125 | FG-37355Apr 26 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 5dca2fe6…bf71 |
| 27126 | FG-37356Jun 26 | Riverbend | R01ACH R01 funds | Retry schedule | 2 | Recovered | $50 | $0.20 | 8adb613c…4f21 |
| 27127 | FG-37357Jul 26 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $50 | $0.10 | fdaac6f5…068a |
| 27128 | FG-37358Apr 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 2 | Recovered | $70 | $0.20 | d66d9443…12da |
| 27129 | FG-37359Oct 25 | Cedar Valley | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 5a0e6ca6…2986 |
| 27130 | FG-37360Feb 26 | Harbor Light | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 19b8680a…38c1 |
| 27131 | FG-37361Mar 26 | Harbor Light | 43Lost or stolen | Card updater, then retry | 1 | Recovered | $5 | $0.10 | de1073c9…fc3f |
| 27132 | FG-37362May 26 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Recovered | $5 | $0.20 | 9a124073…a195 |
| 27133 | FG-37363Sep 26 | Harbor Light | 05Do not honor | Retry schedule | 1 | Recovered | $5 | $0.10 | 3ffd409f…ba4d |
| 27134 | FG-37364Feb 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 509cba4c…3420 |
| 27135 | FG-37365Jul 26 | Northgate | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | d729ddf6…38dc |
| 27136 | FG-37366Nov 25 | Riverbend | 05Do not honor | Retry schedule | 4 | Recovered | $30 | $0.40 | 3008eb74…78ac |
| 27137 | FG-37367Jun 26 | Riverbend | 01Do not honor | Retry schedule | 1 | Recovered | $30 | $0.10 | 2f9bdb58…5c54 |
| 27138 | FG-37368Jul 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 364d8440…a343 |
| 27139 | FG-37369May 26 | Northgate | 91Issuer unavailable | Retry schedule | 1 | Recovered | $60 | $0.10 | 27c1bb6c…05de |
| 27140 | FG-37370Apr 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | d40d7ee4…2027 |
| 27141 | FG-37371May 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 25dfb495…b182 |
| 27142 | FG-37372Jul 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | db86f2cf…3732 |
| 27143 | FG-37373Aug 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 0c9beda1…cbf2 |
| 27144 | FG-37374May 26 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $50 | $0.20 | a1c9f774…8efc |
| 27145 | FG-37375Jul 26 | Harbor Light | 65Insufficient funds | Retry schedule | 3 | Recovered | $50 | $0.30 | b7df1b43…9edf |
| 27146 | FG-37376Oct 25 | Northgate | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 347675e8…5eb2 |
| 27147 | FG-37377Jul 26 | Northgate | 61Insufficient funds | Retry schedule | 4 | Not recovered | — | $0.40 | 04291bde…44e3 |
| 27148 | FG-37378Jun 26 | Harbor Light | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 94837e2f…1635 |
| 27149 | FG-37379Feb 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | 56b73553…28bd |
| 27150 | FG-37380Oct 25 | Northgate | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | f20ae78c…14b4 |
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.