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 |
|---|---|---|---|---|---|---|---|---|---|
| 28001 | FG-38231Jun 26 | Northgate | 59Suspected fraud | Donor outreach | 1 | Not recovered | — | $0.10 | 453cf6bd…d9f6 |
| 28002 | FG-38232Jan 26 | Northgate | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | d8846cde…ba86 |
| 28003 | FG-38233Feb 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 59340db5…708d |
| 28004 | FG-38234Nov 25 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Recovered | $80 | $0.20 | ab1c1b47…c22b |
| 28005 | FG-38235Feb 26 | Northgate | R09ACH R01 funds | Retry schedule | 2 | Recovered | $80 | $0.20 | 0d731899…7ccc |
| 28006 | FG-38236May 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $110 | $0.10 | 600da3de…a124 |
| 28007 | FG-38237May 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $45 | $0.20 | e4a77fea…c367 |
| 28008 | FG-38238May 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 9265280f…a2ea |
| 28009 | FG-38239Jan 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 1df454a0…2722 |
| 28010 | FG-38240Mar 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 695b3413…727d |
| 28011 | FG-38241Jun 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | 098f83db…f34d |
| 28012 | FG-38242Sep 26 | Harbor Light | 05Do not honor | Retry schedule | 1 | Recovered | $35 | $0.10 | a052f572…360f |
| 28013 | FG-38243Nov 25 | Northgate | 62Account closed | Donor outreach | 1 | Recovered | $140 | $0.10 | bdb3faf0…96cf |
| 28014 | FG-38244Mar 26 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $140 | $0.10 | ac4d9cbb…d7d8 |
| 28015 | FG-38245Apr 26 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $140 | $0.10 | b9f0faf8…44b1 |
| 28016 | FG-38246Dec 25 | Northgate | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | ab90bfb5…9e2e |
| 28017 | FG-38247Apr 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 4baa2e4b…bede |
| 28018 | FG-38248May 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | bcee17fa…7843 |
| 28019 | FG-38249Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $45 | $0.20 | be8d1312…c31d |
| 28020 | FG-38250Sep 26 | Northgate | 59Suspected fraud | Donor outreach | 1 | Recovered | $45 | $0.10 | 719c92f2…88b7 |
| 28021 | FG-38251Jan 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $10 | $0.20 | 8c15b6a8…4696 |
| 28022 | FG-38252Aug 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | ee219a2e…d2c5 |
| 28023 | FG-38253Sep 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Recovered | $15 | $0.20 | 09c686dd…b0f7 |
| 28024 | FG-38254Oct 25 | Cedar Valley | R02ACH R02 closed | Donor outreach | 1 | Recovered | $45 | $0.10 | 77a034b8…a069 |
| 28025 | FG-38255Jul 26 | Cedar Valley | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 102ceae4…460a |
| 28026 | FG-38256Jul 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 9b30ea91…2b83 |
| 28027 | FG-38257Nov 25 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Recovered | $50 | $0.20 | 39b931ce…5f93 |
| 28028 | FG-38258Jan 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $50 | $0.10 | 65829f31…39bb |
| 28029 | FG-38259Jul 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | a6d64ce0…ec7b |
| 28030 | FG-38260Dec 25 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | db4a1a94…6ee8 |
| 28031 | FG-38261Apr 26 | Cedar Valley | 01Do not honor | Retry schedule | 1 | Recovered | $70 | $0.10 | 9ca4f600…5f99 |
| 28032 | FG-38262Jun 26 | Northgate | 78Account closed | Donor outreach | 1 | Recovered | $50 | $0.10 | 3ddcb7d8…4b06 |
| 28033 | FG-38263Aug 26 | Northgate | 78Account closed | Donor outreach | 1 | Recovered | $50 | $0.10 | 3a4de8da…b7a8 |
| 28034 | FG-38264May 26 | Cedar Valley | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 238e55f7…4bc5 |
| 28035 | FG-38265Sep 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 8ff323d2…00c1 |
| 28036 | FG-38266Aug 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $5 | $0.10 | 64be22a7…4118 |
| 28037 | FG-38267Mar 26 | Harbor Light | R01ACH R01 funds | Retry schedule | 2 | Recovered | $25 | $0.20 | 4c754855…6544 |
| 28038 | FG-38268Oct 25 | Harbor Light | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 0c7d7fc0…45c2 |
| 28039 | FG-38269Mar 26 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $80 | $0.20 | 8bc6012e…a82a |
| 28040 | FG-38270Jul 26 | Harbor Light | 02Do not honor | Retry schedule | 4 | Recovered | $80 | $0.40 | 3a4cabca…7c82 |
| 28041 | FG-38271Jan 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 3cd71aac…6613 |
| 28042 | FG-38272Feb 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | c9209319…fe11 |
| 28043 | FG-38273Jan 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 1 | Recovered | $10 | $0.10 | 164c6316…287f |
| 28044 | FG-38274Dec 25 | Harbor Light | 19Issuer unavailable | Retry schedule | 1 | Recovered | $15 | $0.10 | a6f332cd…fbff |
| 28045 | FG-38275Aug 26 | Harbor Light | 41Lost or stolen | Donor outreach | 1 | Recovered | $15 | $0.10 | e3a879b4…dfa5 |
| 28046 | FG-38276Nov 25 | Cedar Valley | 61Insufficient funds | Retry schedule | 3 | Recovered | $60 | $0.30 | 6a46ffa5…12a9 |
| 28047 | FG-38277Jun 26 | Cedar Valley | 14Invalid card | Donor outreach | 1 | Recovered | $60 | $0.10 | f21a09f1…561c |
| 28048 | FG-38278Jul 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | 4b7c553b…8715 |
| 28049 | FG-38279Aug 26 | Riverbend | 02Do not honor | Retry schedule | 2 | Recovered | $15 | $0.20 | be71aeb6…eae2 |
| 28050 | FG-38280Sep 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 73d7a2d9…c414 |
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.