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 |
|---|---|---|---|---|---|---|---|---|---|
| 29351 | FG-39581Aug 26 | Northgate | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 29cb2c9a…7003 |
| 29352 | FG-39582Feb 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | d06d9af6…1c69 |
| 29353 | FG-39583Jul 26 | Harbor Light | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | abfa7c57…84d4 |
| 29354 | FG-39584Dec 25 | Northgate | 91Issuer unavailable | Retry schedule | 2 | Recovered | $90 | $0.20 | 7523ff2c…fbff |
| 29355 | FG-39585Jun 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $90 | $0.10 | c58dd170…c2a2 |
| 29356 | FG-39586Feb 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $70 | $0.10 | 1ca6c228…ca7f |
| 29357 | FG-39587Jul 26 | Cedar Valley | 02Do not honor | Retry schedule | 3 | Recovered | $45 | $0.30 | 7f397a5d…5ebf |
| 29358 | FG-39588Oct 25 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $40 | $0.20 | 6a3958ce…02bf |
| 29359 | FG-39589Jun 26 | Riverbend | 91Issuer unavailable | Retry schedule | 2 | Recovered | $40 | $0.20 | 085409ca…c24d |
| 29360 | FG-39590Sep 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | 0ef19c3a…9bb9 |
| 29361 | FG-39591Apr 26 | Harbor Light | 43Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 1e863679…6895 |
| 29362 | FG-39592Nov 25 | Cedar Valley | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 9573c1ab…609f |
| 29363 | FG-39593Jul 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $10 | $0.10 | d64dea89…c207 |
| 29364 | FG-39594Aug 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 84d56da5…dbfb |
| 29365 | FG-39595Jan 26 | Cedar Valley | R09ACH R01 funds | Retry schedule | 1 | Recovered | $10 | $0.10 | b9e7d15d…59b5 |
| 29366 | FG-39596Oct 25 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $25 | $0.10 | ebb968a6…062b |
| 29367 | FG-39597Sep 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 5ebeb314…e7c2 |
| 29368 | FG-39598Jul 26 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | b1ce2fde…3f35 |
| 29369 | FG-39599Aug 26 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 24d11065…46fe |
| 29370 | FG-39600Apr 26 | Lumen Arts | 91Issuer unavailable | Retry schedule | 1 | Recovered | $25 | $0.10 | 0ea8a7ed…50c4 |
| 29371 | FG-39601Nov 25 | Harbor Light | 05Do not honor | Retry schedule | 4 | Recovered | $15 | $0.40 | 9553d51b…2ab7 |
| 29372 | FG-39602May 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 491e2dfd…9cf2 |
| 29373 | FG-39603Sep 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 3fa1b5b7…5f78 |
| 29374 | FG-39604Feb 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 56812c58…3b07 |
| 29375 | FG-39605Mar 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $35 | $0.10 | f44db23c…8f59 |
| 29376 | FG-39606Oct 25 | Cedar Valley | R01ACH R01 funds | Retry schedule | 1 | Recovered | $15 | $0.10 | a2904a93…ddb7 |
| 29377 | FG-39607Nov 25 | Harbor Light | 41Lost or stolen | Card updater, then retry | 1 | Recovered | $25 | $0.10 | d5696e30…11bf |
| 29378 | FG-39608Aug 26 | Harbor Light | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 6e2194ed…80c1 |
| 29379 | FG-39609Jan 26 | Riverbend | R09ACH R01 funds | Retry schedule | 1 | Recovered | $20 | $0.10 | 3320632d…8bc6 |
| 29380 | FG-39610Jun 26 | Lumen Arts | 05Do not honor | Retry schedule | 1 | Recovered | $150 | $0.10 | 900a6255…0974 |
| 29381 | FG-39611Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $90 | $0.20 | 6ceb5382…e69a |
| 29382 | FG-39612Nov 25 | Cedar Valley | 65Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 64c313e2…525c |
| 29383 | FG-39613May 26 | Cedar Valley | 54Expired card | Donor outreach | 1 | Recovered | $30 | $0.10 | 1735e04c…b481 |
| 29384 | FG-39614May 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $160 | $0.10 | e87400b7…16df |
| 29385 | FG-39615Oct 25 | Harbor Light | 02Do not honor | Retry schedule | 1 | Recovered | $60 | $0.10 | a5844731…512a |
| 29386 | FG-39616Dec 25 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $45 | $0.10 | 171bd78d…e953 |
| 29387 | FG-39617Nov 25 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 4db1c230…ec23 |
| 29388 | FG-39618Apr 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 81d1510f…4277 |
| 29389 | FG-39619Sep 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $40 | $0.10 | 760d2c44…6ab1 |
| 29390 | FG-39620Feb 26 | Northgate | 51Insufficient funds | Retry schedule | 4 | Recovered | $60 | $0.40 | 9dc4f98d…50a5 |
| 29391 | FG-39621Aug 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | 2fec520b…1b89 |
| 29392 | FG-39622Feb 26 | Cedar Valley | 33Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 2429d204…4c10 |
| 29393 | FG-39623May 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 9ac81ce2…b04e |
| 29394 | FG-39624Sep 26 | Cedar Valley | 43Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 306ed2c0…dcde |
| 29395 | FG-39625Apr 26 | Cedar Valley | R09ACH R01 funds | Retry schedule | 3 | Recovered | $25 | $0.30 | 8a65e13a…3d25 |
| 29396 | FG-39626Feb 26 | Riverbend | R09ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 9ced45dd…f3bc |
| 29397 | FG-39627Oct 25 | Riverbend | 02Do not honor | Retry schedule | 1 | Recovered | $60 | $0.10 | d2bb03de…4257 |
| 29398 | FG-39628Dec 25 | Riverbend | 33Expired card | Card updater, then retry | 1 | Recovered | $60 | $0.10 | 97d456a1…653f |
| 29399 | FG-39629Jan 26 | Riverbend | 59Suspected fraud | Donor outreach | 1 | Recovered | $60 | $0.10 | ed89f3ba…1618 |
| 29400 | FG-39630Dec 25 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | b95193c3…ff52 |
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.