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 |
|---|---|---|---|---|---|---|---|---|---|
| 4501 | FG-14731Sep 26 | Northgate | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 558633bd…77a3 |
| 4502 | FG-14732Jan 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 5a43c9eb…101f |
| 4503 | FG-14733Nov 25 | Cedar Valley | 05Do not honor | Retry schedule | 1 | Recovered | $25 | $0.10 | 1988d366…5125 |
| 4504 | FG-14734Jan 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 4ac1c3dd…1834 |
| 4505 | FG-14735May 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 161bd9db…e617 |
| 4506 | FG-14736Jul 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 730195f2…b2e8 |
| 4507 | FG-14737Mar 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | 48f719be…717f |
| 4508 | FG-14738Dec 25 | Cedar Valley | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | a91ce22d…87fc |
| 4509 | FG-14739May 26 | Cedar Valley | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 0e7cc42a…3d75 |
| 4510 | FG-14740Sep 26 | Harbor Light | 91Issuer unavailable | Retry schedule | 1 | Recovered | $140 | $0.10 | 9f2fcca9…bc43 |
| 4511 | FG-14741Nov 25 | Cedar Valley | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | 32def5ec…6fcd |
| 4512 | FG-14742May 26 | Cedar Valley | 05Do not honor | Retry schedule | 2 | Recovered | $15 | $0.20 | 7b96baaf…2910 |
| 4513 | FG-14743Aug 26 | Riverbend | 02Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 1e9a865b…d0e9 |
| 4514 | FG-14744Sep 26 | Riverbend | 19Issuer unavailable | Retry schedule | 1 | Recovered | $15 | $0.10 | 4e7c422c…1b2b |
| 4515 | FG-14745Mar 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Stopped | — | $0.30 | 0f7da812…23cc |
| 4516 | FG-14746Jun 26 | Riverbend | 54Expired card | Card updater, then retry | 1 | Recovered | $25 | $0.10 | a52e0415…128a |
| 4517 | FG-14747Jan 26 | Harbor Light | 61Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | ed8d5e5b…453f |
| 4518 | FG-14748Mar 26 | Harbor Light | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 0442533e…3d04 |
| 4519 | FG-14749Jul 26 | Lumen Arts | 05Do not honor | Retry schedule | 1 | Recovered | $10 | $0.10 | 024330cf…e966 |
| 4520 | FG-14750Nov 25 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 7019001c…abdd |
| 4521 | FG-14751Aug 26 | Harbor Light | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 8e856881…9c69 |
| 4522 | FG-14752Oct 25 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | ae180893…b6ac |
| 4523 | FG-14753Feb 26 | Harbor Light | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 6116d581…347b |
| 4524 | FG-14754Mar 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | b41d9b5f…c91c |
| 4525 | FG-14755Jun 26 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | daa6a14b…8c3e |
| 4526 | FG-14756Jul 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | dabaa71e…aeef |
| 4527 | FG-14757Apr 26 | Harbor Light | 02Do not honor | Retry schedule | 1 | Recovered | $35 | $0.10 | cc548a5b…f3e2 |
| 4528 | FG-14758Jun 26 | Harbor Light | 33Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | c8d23f96…af06 |
| 4529 | FG-14759Sep 26 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $35 | $0.10 | 64367cb3…e360 |
| 4530 | FG-14760Nov 25 | Cedar Valley | 65Insufficient funds | Retry schedule | 2 | Recovered | $20 | $0.20 | d7fd85bd…d28f |
| 4531 | FG-14761Jan 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | 3caf7c3b…6d12 |
| 4532 | FG-14762Oct 25 | Harbor Light | 54Expired card | Donor outreach | 0 | Stopped | — | $0.00 | ccaa36e3…5d95 |
| 4533 | FG-14763Aug 26 | Harbor Light | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 31b323c7…3810 |
| 4534 | FG-14764Nov 25 | Riverbend | 61Insufficient funds | Retry schedule | 3 | Recovered | $50 | $0.30 | d382ad37…aadf |
| 4535 | FG-14765Dec 25 | Riverbend | 61Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | 0e7e831d…3b63 |
| 4536 | FG-14766Aug 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Not recovered | — | $0.30 | a6853be8…8e09 |
| 4537 | FG-14767Jun 26 | Cedar Valley | 46Account closed | Donor outreach | 1 | Recovered | $10 | $0.10 | bf04856a…ac2f |
| 4538 | FG-14768Apr 26 | Harbor Light | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | efb48617…b43b |
| 4539 | FG-14769Apr 26 | Northgate | R01ACH R01 funds | Retry schedule | 3 | Recovered | $60 | $0.30 | 3c974b87…7316 |
| 4540 | FG-14770Apr 26 | Harbor Light | 61Insufficient funds | Retry schedule | 1 | Recovered | $60 | $0.10 | 3ef069e4…e0ef |
| 4541 | FG-14771Feb 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 4bbf8fe8…468f |
| 4542 | FG-14772Jul 26 | Northgate | R01ACH R01 funds | Retry schedule | 1 | Recovered | $120 | $0.10 | a889885b…8a8e |
| 4543 | FG-14773Aug 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 3 | Stopped | — | $0.30 | 373d64f1…2aa3 |
| 4544 | FG-14774Nov 25 | Northgate | 65Insufficient funds | Retry schedule | 2 | Recovered | $180 | $0.20 | 5d25426e…0a0a |
| 4545 | FG-14775Jan 26 | Northgate | 91Issuer unavailable | Retry schedule | 2 | Recovered | $180 | $0.20 | 0e61b0a3…2327 |
| 4546 | FG-14776Sep 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 2 | Not recovered | — | $0.20 | ed6a840d…9d06 |
| 4547 | FG-14777Oct 25 | Harbor Light | 14Invalid card | Donor outreach | 0 | Stopped | — | $0.00 | f48f23f0…a041 |
| 4548 | FG-14778Feb 26 | Harbor Light | 05Do not honor | Retry schedule | 1 | Recovered | $30 | $0.10 | 1542cbcd…6a8e |
| 4549 | FG-14779Sep 26 | Riverbend | 51Insufficient funds | Retry schedule | 1 | Recovered | $90 | $0.10 | e624e555…e6ef |
| 4550 | FG-14780Oct 25 | Harbor Light | 54Expired card | Card updater, then retry | 1 | Recovered | $50 | $0.10 | c1f83ff6…e290 |
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.