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 |
|---|---|---|---|---|---|---|---|---|---|
| 31001 | FG-41231Feb 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 0354e5b7…296e |
| 31002 | FG-41232Mar 26 | Riverbend | 59Suspected fraud | Donor outreach | 1 | Recovered | $25 | $0.10 | a2f8fd6e…af2b |
| 31003 | FG-41233Sep 26 | Riverbend | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 34215c0a…5b31 |
| 31004 | FG-41234Sep 26 | Northgate | R09ACH R01 funds | Retry schedule | 2 | Recovered | $150 | $0.20 | e11bce68…1249 |
| 31005 | FG-41235Jan 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 69d7a3cc…64d5 |
| 31006 | FG-41236Oct 25 | Northgate | 96Issuer unavailable | Retry schedule | 1 | Recovered | $60 | $0.10 | c4758244…2d86 |
| 31007 | FG-41237Apr 26 | Northgate | 65Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 819cdb5f…d98b |
| 31008 | FG-41238Jul 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $60 | $0.20 | a2e90102…bf9e |
| 31009 | FG-41239Jan 26 | Lumen Arts | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 6c8b7930…77e0 |
| 31010 | FG-41240Apr 26 | Lumen Arts | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 76c235c0…4aa4 |
| 31011 | FG-41241Aug 26 | Lumen Arts | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 45d38c53…a1f2 |
| 31012 | FG-41242Feb 26 | Riverbend | 91Issuer unavailable | Retry schedule | 3 | Recovered | $20 | $0.30 | d3d8ba1b…e4fe |
| 31013 | FG-41243Feb 26 | Northgate | R09ACH R01 funds | Retry schedule | 1 | Recovered | $35 | $0.10 | 0d5446d2…2ebf |
| 31014 | FG-41244Jan 26 | Riverbend | R09ACH R01 funds | Retry schedule | 3 | Recovered | $20 | $0.30 | 0f5f7d1f…f3d5 |
| 31015 | FG-41245Jan 26 | Northgate | 59Suspected fraud | Donor outreach | 1 | Recovered | $10 | $0.10 | dbae898e…92c7 |
| 31016 | FG-41246Aug 26 | Northgate | 01Do not honor | Retry schedule | 3 | Recovered | $10 | $0.30 | 4918b2c3…0a0e |
| 31017 | FG-41247Feb 26 | Cedar Valley | 54Expired card | Card updater, then retry | 1 | Recovered | $20 | $0.10 | 5145b1e2…f3a1 |
| 31018 | FG-41248Jul 26 | Harbor Light | 57Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | d1829f90…2932 |
| 31019 | FG-41249Sep 26 | Harbor Light | 61Insufficient funds | Retry schedule | 3 | Recovered | $35 | $0.30 | cfaafe42…6e71 |
| 31020 | FG-41250Jun 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 2 | Recovered | $35 | $0.20 | 117bbce1…8c54 |
| 31021 | FG-41251Aug 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 45a58d49…85fa |
| 31022 | FG-41252May 26 | Northgate | 33Expired card | Donor outreach | 1 | Recovered | $60 | $0.10 | ac3bca3d…ca96 |
| 31023 | FG-41253Jun 26 | Northgate | 96Issuer unavailable | Retry schedule | 1 | Recovered | $60 | $0.10 | 75f8f7d0…d9bf |
| 31024 | FG-41254Aug 26 | Northgate | 01Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 0d0e44fb…44d2 |
| 31025 | FG-41255Feb 26 | Riverbend | 02Do not honor | Retry schedule | 2 | Recovered | $30 | $0.20 | 7f0dc218…335a |
| 31026 | FG-41256Oct 25 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Recovered | $45 | $0.20 | c5b84c98…3177 |
| 31027 | FG-41257Oct 25 | Northgate | R03ACH R03 no acct | Donor outreach | 1 | Recovered | $20 | $0.10 | 6f976944…cf2e |
| 31028 | FG-41258Jan 26 | Lumen Arts | 41Lost or stolen | Card updater, then retry | 1 | Recovered | $5 | $0.10 | 5d2747bd…9ebb |
| 31029 | FG-41259Mar 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 68057d00…5ee6 |
| 31030 | FG-41260Jul 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $5 | $0.10 | 9ced2252…258d |
| 31031 | FG-41261Feb 26 | Lumen Arts | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 4af24fc9…5ce7 |
| 31032 | FG-41262Apr 26 | Lumen Arts | 33Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | 6c93a624…3836 |
| 31033 | FG-41263Jun 26 | Lumen Arts | 61Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 405b5f62…2d84 |
| 31034 | FG-41264Dec 25 | Riverbend | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | c38054de…4592 |
| 31035 | FG-41265Jan 26 | Riverbend | 61Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 6870d698…d251 |
| 31036 | FG-41266May 26 | Riverbend | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | cd21269d…53bb |
| 31037 | FG-41267Apr 26 | Riverbend | 65Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 1bcd9a00…a931 |
| 31038 | FG-41268Jul 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | 8a3a7948…fe68 |
| 31039 | FG-41269Oct 25 | Northgate | 51Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 4eddd0e7…7f11 |
| 31040 | FG-41270Mar 26 | Northgate | 02Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | f3d6e0b8…4264 |
| 31041 | FG-41271Dec 25 | Cedar Valley | 01Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | 4abbb0b1…01ed |
| 31042 | FG-41272Feb 26 | Cedar Valley | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | f0603073…8e85 |
| 31043 | FG-41273Jun 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 341fb29c…540d |
| 31044 | FG-41274Jul 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 3408a6f3…c1d4 |
| 31045 | FG-41275Sep 26 | Cedar Valley | 19Issuer unavailable | Retry schedule | 1 | Recovered | $15 | $0.10 | c151b4f8…4f7e |
| 31046 | FG-41276Jan 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 43ca31a0…838b |
| 31047 | FG-41277Mar 26 | Harbor Light | 02Do not honor | Retry schedule | 1 | Recovered | $15 | $0.10 | dad3a93c…0a62 |
| 31048 | FG-41278Jul 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Recovered | $15 | $0.30 | 86d0aa5e…02ca |
| 31049 | FG-41279Dec 25 | Cedar Valley | 65Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 5de7d2cb…1939 |
| 31050 | FG-41280Mar 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $20 | $0.20 | 98136b50…a4c4 |
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.