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 |
|---|---|---|---|---|---|---|---|---|---|
| 29551 | FG-39781Mar 26 | Cedar Valley | 59Suspected fraud | Donor outreach | 1 | Recovered | $10 | $0.10 | 2acc32dd…c1cd |
| 29552 | FG-39782Jun 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 4ff7b583…c2e0 |
| 29553 | FG-39783May 26 | Harbor Light | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | c1307a84…c46d |
| 29554 | FG-39784Nov 25 | Riverbend | 96Issuer unavailable | Retry schedule | 3 | Not recovered | — | $0.30 | 79326068…ebfe |
| 29555 | FG-39785Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 18eabdf4…d231 |
| 29556 | FG-39786Sep 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $140 | $0.10 | c34d0f9c…0196 |
| 29557 | FG-39787Jun 26 | Harbor Light | 01Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 5d421f0a…bd9d |
| 29558 | FG-39788Sep 26 | Harbor Light | 65Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | e893b5a2…9a72 |
| 29559 | FG-39789Oct 25 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 9b02ec82…a189 |
| 29560 | FG-39790Apr 26 | Riverbend | 02Do not honor | Retry schedule | 1 | Recovered | $25 | $0.10 | c9baf5df…3749 |
| 29561 | FG-39791Dec 25 | Northgate | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 7fea5999…7f17 |
| 29562 | FG-39792Feb 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 410f26ac…518a |
| 29563 | FG-39793Jul 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 569a0a05…b76f |
| 29564 | FG-39794Apr 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 2ff46645…0875 |
| 29565 | FG-39795Nov 25 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $50 | $0.20 | 175c3c39…d82b |
| 29566 | FG-39796Jul 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 9cf79473…e5bf |
| 29567 | FG-39797Aug 26 | Northgate | 01Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 9c58f881…8f6e |
| 29568 | FG-39798Sep 26 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $50 | $0.10 | 0683958a…5960 |
| 29569 | FG-39799Dec 25 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $20 | $0.10 | b2666065…461d |
| 29570 | FG-39800Nov 25 | Lumen Arts | R09ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 5193e20a…01b0 |
| 29571 | FG-39801Apr 26 | Lumen Arts | R09ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | dce9ee5a…6343 |
| 29572 | FG-39802Oct 25 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 2ec32de2…92e6 |
| 29573 | FG-39803Apr 26 | Lumen Arts | R02ACH R02 closed | Donor outreach | 1 | Recovered | $35 | $0.10 | 3314ff75…848b |
| 29574 | FG-39804Mar 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | a8899319…e114 |
| 29575 | FG-39805Mar 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 3c1dd107…2561 |
| 29576 | FG-39806Oct 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | d2777358…47d5 |
| 29577 | FG-39807Apr 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 80d2803a…89c4 |
| 29578 | FG-39808May 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 6eea3665…3039 |
| 29579 | FG-39809Mar 26 | Northgate | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | a618ad62…92b8 |
| 29580 | FG-39810Jun 26 | Northgate | 65Insufficient funds | Retry schedule | 2 | Recovered | $80 | $0.20 | e93317ce…2734 |
| 29581 | FG-39811Dec 25 | Riverbend | 78Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 380db8dc…6fb3 |
| 29582 | FG-39812Nov 25 | Harbor Light | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 1794c705…5272 |
| 29583 | FG-39813Jun 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $30 | $0.10 | a5657e76…572e |
| 29584 | FG-39814Dec 25 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 8c8dbe9e…c530 |
| 29585 | FG-39815Mar 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 9ca2e4c5…ce2c |
| 29586 | FG-39816May 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $30 | $0.10 | 9b2770c8…6ba1 |
| 29587 | FG-39817Jul 26 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $30 | $0.20 | 06fd04d9…5884 |
| 29588 | FG-39818Jul 26 | Northgate | 61Insufficient funds | Retry schedule | 1 | Recovered | $140 | $0.10 | 5bb49d14…6d40 |
| 29589 | FG-39819Dec 25 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $110 | $0.10 | 6ae5fc02…b852 |
| 29590 | FG-39820Sep 26 | Northgate | 05Do not honor | Retry schedule | 3 | Recovered | $110 | $0.30 | 7c309302…620d |
| 29591 | FG-39821Apr 26 | Riverbend | 05Do not honor | Retry schedule | 4 | Recovered | $40 | $0.40 | 755231e3…c04d |
| 29592 | FG-39822Nov 25 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 47eb5e3e…8b52 |
| 29593 | FG-39823Jun 26 | Harbor Light | 02Do not honor | Retry schedule | 1 | Recovered | $25 | $0.10 | c896f0e3…b68f |
| 29594 | FG-39824Jul 26 | Harbor Light | 61Insufficient funds | Retry schedule | 2 | Recovered | $25 | $0.20 | 4e2b055a…724f |
| 29595 | FG-39825Oct 25 | Riverbend | 65Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 35d9eeaa…892b |
| 29596 | FG-39826Nov 25 | Lumen Arts | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | e6a1c320…9c7f |
| 29597 | FG-39827Oct 25 | Riverbend | 96Issuer unavailable | Retry schedule | 1 | Recovered | $20 | $0.10 | 5c3db794…b97e |
| 29598 | FG-39828Nov 25 | Riverbend | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 72d5c7fe…0775 |
| 29599 | FG-39829Dec 25 | Riverbend | 41Lost or stolen | Donor outreach | 1 | Recovered | $40 | $0.10 | 3c1569f4…ce02 |
| 29600 | FG-39830Sep 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 3 | Recovered | $20 | $0.30 | 780afc86…12e5 |
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.