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 |
|---|---|---|---|---|---|---|---|---|---|
| 3001 | FG-13231May 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 102f1df8…48e4 |
| 3002 | FG-13232Jun 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | c0ba4617…ddd1 |
| 3003 | FG-13233Sep 26 | Riverbend | 02Do not honor | Retry schedule | 1 | Recovered | $20 | $0.10 | 7d9a2b03…1235 |
| 3004 | FG-13234Feb 26 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | bd3c89ff…f8ec |
| 3005 | FG-13235Jun 26 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 2f789eec…fb2d |
| 3006 | FG-13236Jul 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Recovered | $20 | $0.30 | 9df0d686…578b |
| 3007 | FG-13237Oct 25 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Recovered | $10 | $0.30 | 3df75c2c…7586 |
| 3008 | FG-13238Oct 25 | Northgate | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 21f6206c…2b01 |
| 3009 | FG-13239Nov 25 | Northgate | 19Issuer unavailable | Retry schedule | 2 | Recovered | $50 | $0.20 | cd575e62…79f7 |
| 3010 | FG-13240Apr 26 | Northgate | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | f849d498…67a7 |
| 3011 | FG-13241Jan 26 | Harbor Light | 63Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 68e40dae…6b7f |
| 3012 | FG-13242May 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | f93ba47a…8b58 |
| 3013 | FG-13243Sep 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | f210a76d…58d5 |
| 3014 | FG-13244Jan 26 | Northgate | 19Issuer unavailable | Retry schedule | 3 | Recovered | $200 | $0.30 | c55f3932…4d69 |
| 3015 | FG-13245Aug 26 | Riverbend | 61Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | fe9e7ead…5679 |
| 3016 | FG-13246Oct 25 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | c9d56a1c…3b02 |
| 3017 | FG-13247Aug 26 | Northgate | R03ACH R03 no acct | Donor outreach | 1 | Recovered | $50 | $0.10 | 69af2b41…e968 |
| 3018 | FG-13248Jul 26 | Northgate | 33Expired card | Card updater, then retry | 1 | Recovered | $130 | $0.10 | cc1386eb…c686 |
| 3019 | FG-13249Sep 26 | Northgate | 54Expired card | Card updater, then retry | 1 | Not recovered | — | $0.10 | 6d74b518…6bc7 |
| 3020 | FG-13250Feb 26 | Cedar Valley | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | b8b11604…75c9 |
| 3021 | FG-13251Oct 25 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | e67568fa…3979 |
| 3022 | FG-13252Dec 25 | Riverbend | 02Do not honor | Retry schedule | 1 | Recovered | $20 | $0.10 | cbbd4b51…96a1 |
| 3023 | FG-13253Dec 25 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 85f299b1…9c4f |
| 3024 | FG-13254May 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 71f496e3…0d52 |
| 3025 | FG-13255May 26 | Riverbend | 33Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 57b78f6a…7af7 |
| 3026 | FG-13256Jun 26 | Riverbend | 05Do not honor | Retry schedule | 2 | Recovered | $20 | $0.20 | 05e4e4c1…b28f |
| 3027 | FG-13257Nov 25 | Cedar Valley | 46Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 5edd463d…3cf5 |
| 3028 | FG-13258Jul 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 98a1bd27…4d18 |
| 3029 | FG-13259May 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $15 | $0.10 | 0d6d95d5…9646 |
| 3030 | FG-13260Jan 26 | Lumen Arts | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 4359ae8f…cb8d |
| 3031 | FG-13261Aug 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 1c960264…4d9f |
| 3032 | FG-13262Mar 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Stopped | — | $0.20 | 7d592831…e4c0 |
| 3033 | FG-13263Aug 26 | Riverbend | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 6273f34f…8a93 |
| 3034 | FG-13264Dec 25 | Northgate | R01ACH R01 funds | Retry schedule | 3 | Recovered | $35 | $0.30 | c680f87c…a9e0 |
| 3035 | FG-13265May 26 | Lumen Arts | 05Do not honor | Retry schedule | 3 | Recovered | $80 | $0.30 | d4c901a9…c1e3 |
| 3036 | FG-13266Apr 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $90 | $0.10 | c7df8b5e…2032 |
| 3037 | FG-13267Sep 26 | Harbor Light | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 5a8f0eab…7b72 |
| 3038 | FG-13268Sep 26 | Lumen Arts | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | 8d969fde…15b8 |
| 3039 | FG-13269Oct 25 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $10 | $0.10 | 4d44ddc2…8740 |
| 3040 | FG-13270Jul 26 | Harbor Light | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 4e99acde…0b8a |
| 3041 | FG-13271Sep 26 | Harbor Light | 05Do not honor | Retry schedule | 1 | Recovered | $30 | $0.10 | d7681367…5a45 |
| 3042 | FG-13272Nov 25 | Harbor Light | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | c458d590…f04b |
| 3043 | FG-13273Jan 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | c2a346ae…cc07 |
| 3044 | FG-13274Jun 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 5b19c076…c683 |
| 3045 | FG-13275Nov 25 | Northgate | 15Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | cf55e9fd…bc64 |
| 3046 | FG-13276May 26 | Cedar Valley | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | 40fcf056…ff49 |
| 3047 | FG-13277Mar 26 | Harbor Light | 61Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 806cd029…99a7 |
| 3048 | FG-13278Feb 26 | Harbor Light | R01ACH R01 funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 0a58a6d6…d71f |
| 3049 | FG-13279Aug 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $120 | $0.10 | 43a2c2c9…38a8 |
| 3050 | FG-13280Sep 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $120 | $0.10 | c5eb9b4f…8579 |
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.