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 |
|---|---|---|---|---|---|---|---|---|---|
| 2901 | FG-13131Aug 26 | Riverbend | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 4b8b8dac…b0e6 |
| 2902 | FG-13132Jan 26 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 2dd9081a…24cb |
| 2903 | FG-13133Jun 26 | Riverbend | 19Issuer unavailable | Retry schedule | 1 | Recovered | $80 | $0.10 | 85ae6ebf…712b |
| 2904 | FG-13134Feb 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | b94cdc21…0965 |
| 2905 | FG-13135Nov 25 | Northgate | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | fd25813d…bcb5 |
| 2906 | FG-13136Dec 25 | Northgate | 43Lost or stolen | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 7147aaab…0df4 |
| 2907 | FG-13137May 26 | Northgate | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 2f2b6435…0d16 |
| 2908 | FG-13138Dec 25 | Riverbend | 96Issuer unavailable | Retry schedule | 1 | Recovered | $110 | $0.10 | 92dfc842…5a19 |
| 2909 | FG-13139Aug 26 | Cedar Valley | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 6e6ef2cf…3840 |
| 2910 | FG-13140Jan 26 | Riverbend | R01ACH R01 funds | Retry schedule | 1 | Recovered | $10 | $0.10 | f0e31507…51f1 |
| 2911 | FG-13141Nov 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 5c1c6ff5…2b9e |
| 2912 | FG-13142Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 8c16f02c…d5e1 |
| 2913 | FG-13143Jun 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 5fe2e816…d4ca |
| 2914 | FG-13144Feb 26 | Harbor Light | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 91b079d8…0254 |
| 2915 | FG-13145Feb 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $90 | $0.10 | 7aa39875…3c16 |
| 2916 | FG-13146Jul 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $90 | $0.10 | 89b886ad…0608 |
| 2917 | FG-13147Sep 26 | Harbor Light | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 4d45d54d…ec48 |
| 2918 | FG-13148Mar 26 | Riverbend | 91Issuer unavailable | Retry schedule | 1 | Recovered | $40 | $0.10 | 6c5a4dc0…90ef |
| 2919 | FG-13149Apr 26 | Harbor Light | 65Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | 976a4f01…6999 |
| 2920 | FG-13150Mar 26 | Riverbend | R09ACH R01 funds | Retry schedule | 1 | Recovered | $50 | $0.10 | f20709d4…6ca6 |
| 2921 | FG-13151Jul 26 | Northgate | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | c4b3ca5e…aa20 |
| 2922 | FG-13152Aug 26 | Northgate | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | c538e86a…0469 |
| 2923 | FG-13153Feb 26 | Northgate | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 305fddb5…9754 |
| 2924 | FG-13154Mar 26 | Northgate | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 807d0d32…5d4b |
| 2925 | FG-13155Mar 26 | Cedar Valley | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 8eae6ed6…2e7f |
| 2926 | FG-13156Apr 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 61b7fc52…6a63 |
| 2927 | FG-13157Aug 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $70 | $0.10 | 69b10b7f…6bab |
| 2928 | FG-13158Dec 25 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | 9768de5a…f826 |
| 2929 | FG-13159Sep 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | 553f161d…0cdb |
| 2930 | FG-13160Aug 26 | Riverbend | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 44832c4d…59fc |
| 2931 | FG-13161Mar 26 | Cedar Valley | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 878bc699…9728 |
| 2932 | FG-13162Aug 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $300 | $0.10 | 5811e09f…0a60 |
| 2933 | FG-13163Sep 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | e3efe742…84e4 |
| 2934 | FG-13164Oct 25 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $40 | $0.10 | b15c0d6c…5ec1 |
| 2935 | FG-13165Sep 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 7c791225…1210 |
| 2936 | FG-13166Oct 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | bac70993…d776 |
| 2937 | FG-13167Jun 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | 6679657e…c9bc |
| 2938 | FG-13168Apr 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 7e0c26b6…7c99 |
| 2939 | FG-13169Aug 26 | Riverbend | 15Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 9ae9961e…401a |
| 2940 | FG-13170Oct 25 | Riverbend | 01Do not honor | Retry schedule | 4 | Recovered | $20 | $0.40 | b8516ca8…8232 |
| 2941 | FG-13171Jan 26 | Riverbend | 43Lost or stolen | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 54312d44…435d |
| 2942 | FG-13172May 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 47e10528…ad36 |
| 2943 | FG-13173Jun 26 | Lumen Arts | 54Expired card | Card updater, then retry | 1 | Recovered | $190 | $0.10 | bc6e11fa…2d3c |
| 2944 | FG-13174Sep 26 | Lumen Arts | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 5896dbc5…1bb5 |
| 2945 | FG-13175Mar 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $45 | $0.10 | f04c1961…dcdd |
| 2946 | FG-13176Jun 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 6db32a02…9006 |
| 2947 | FG-13177Apr 26 | Lumen Arts | 33Expired card | Card updater, then retry | 1 | Recovered | $5 | $0.10 | b71e1621…b00c |
| 2948 | FG-13178Sep 26 | Lumen Arts | 43Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 2dd269bf…5a36 |
| 2949 | FG-13179Apr 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $120 | $0.10 | 30972929…bc4c |
| 2950 | FG-13180Dec 25 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Recovered | $50 | $0.30 | 111cee49…0104 |
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.