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 |
|---|---|---|---|---|---|---|---|---|---|
| 4901 | FG-15131Mar 26 | Riverbend | R04ACH R03 no acct | Donor outreach | 1 | Recovered | $35 | $0.10 | 8d39b3bf…cff4 |
| 4902 | FG-15132Jun 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $10 | $0.10 | 42f502ee…b580 |
| 4903 | FG-15133Sep 26 | Riverbend | 63Suspected fraud | Donor outreach | 1 | Recovered | $10 | $0.10 | c475d347…89bc |
| 4904 | FG-15134Jan 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 57643812…7d4e |
| 4905 | FG-15135Mar 26 | Riverbend | 51Insufficient funds | Retry schedule | 3 | Recovered | $30 | $0.30 | e320faf1…c5f3 |
| 4906 | FG-15136Apr 26 | Riverbend | 63Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 942f0da1…c2d6 |
| 4907 | FG-15137Nov 25 | Harbor Light | 54Expired card | Donor outreach | 1 | Recovered | $110 | $0.10 | b8a4e4e6…c113 |
| 4908 | FG-15138Sep 26 | Harbor Light | 05Do not honor | Retry schedule | 2 | Recovered | $110 | $0.20 | e8d8c08e…d376 |
| 4909 | FG-15139Oct 25 | Lumen Arts | 54Expired card | Card updater, then retry | 1 | Recovered | $30 | $0.10 | a7ff6547…ce50 |
| 4910 | FG-15140May 26 | Lumen Arts | 91Issuer unavailable | Retry schedule | 1 | Recovered | $30 | $0.10 | 10fb6b1b…42d5 |
| 4911 | FG-15141May 26 | Lumen Arts | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | c98e1614…a6b7 |
| 4912 | FG-15142May 26 | Harbor Light | R01ACH R01 funds | Retry schedule | 3 | Recovered | $80 | $0.30 | 2f2a6000…e24a |
| 4913 | FG-15143Jul 26 | Lumen Arts | 51Insufficient funds | Retry schedule | 1 | Recovered | $70 | $0.10 | 9d473ec4…49c5 |
| 4914 | FG-15144Feb 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | 15a3b2bc…76b5 |
| 4915 | FG-15145Jun 26 | Cedar Valley | R01ACH R01 funds | Retry schedule | 1 | Recovered | $90 | $0.10 | a6a604f5…95e7 |
| 4916 | FG-15146Aug 26 | Harbor Light | 54Expired card | Donor outreach | 1 | Recovered | $70 | $0.10 | ac0b1d06…0698 |
| 4917 | FG-15147Nov 25 | Northgate | 54Expired card | Card updater, then retry | 1 | Recovered | $45 | $0.10 | ff99b850…967f |
| 4918 | FG-15148Apr 26 | Northgate | 51Insufficient funds | Retry schedule | 2 | Recovered | $45 | $0.20 | 671bb2b1…07e2 |
| 4919 | FG-15149Oct 25 | Riverbend | 01Do not honor | Retry schedule | 2 | Recovered | $20 | $0.20 | d51520eb…dedd |
| 4920 | FG-15150Jun 26 | Riverbend | 05Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | b12b42dd…99d0 |
| 4921 | FG-15151Feb 26 | Harbor Light | 41Lost or stolen | Donor outreach | 0 | Stopped | — | $0.00 | 2d48ae64…e55b |
| 4922 | FG-15152Mar 26 | Harbor Light | 59Suspected fraud | Donor outreach | 0 | Stopped | — | $0.00 | 560d12e6…1ef5 |
| 4923 | FG-15153Jun 26 | Harbor Light | 54Expired card | Donor outreach | 1 | Recovered | $70 | $0.10 | 5cb480f5…6a05 |
| 4924 | FG-15154Oct 25 | Northgate | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 270de15e…a92d |
| 4925 | FG-15155May 26 | Northgate | R01ACH R01 funds | Retry schedule | 2 | Not recovered | — | $0.20 | 77bcb5df…0ac6 |
| 4926 | FG-15156Feb 26 | Riverbend | 61Insufficient funds | Retry schedule | 3 | Recovered | $15 | $0.30 | decffc67…4a56 |
| 4927 | FG-15157Apr 26 | Riverbend | 61Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | bb12393c…4c4e |
| 4928 | FG-15158Jul 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Recovered | $15 | $0.10 | abbc3ee9…4a56 |
| 4929 | FG-15159Jan 26 | Riverbend | 51Insufficient funds | Retry schedule | 2 | Recovered | $30 | $0.20 | ea26b833…dbdb |
| 4930 | FG-15160Aug 26 | Riverbend | 62Account closed | Donor outreach | 0 | Stopped | — | $0.00 | 2078ae32…e923 |
| 4931 | FG-15161Apr 26 | Harbor Light | R03ACH R03 no acct | Donor outreach | 0 | Stopped | — | $0.00 | ca5f58d2…12e6 |
| 4932 | FG-15162Sep 26 | Harbor Light | R02ACH R02 closed | Donor outreach | 0 | Stopped | — | $0.00 | 1d63fab7…09a8 |
| 4933 | FG-15163Jun 26 | Lumen Arts | 59Suspected fraud | Donor outreach | 1 | Not recovered | — | $0.10 | 96d2b65f…dc66 |
| 4934 | FG-15164Apr 26 | Harbor Light | 51Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | d55ae5cc…c34e |
| 4935 | FG-15165Apr 26 | Cedar Valley | 51Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | 04c94bf6…64c6 |
| 4936 | FG-15166May 26 | Riverbend | 65Insufficient funds | Retry schedule | 2 | Recovered | $45 | $0.20 | 423d60d7…d133 |
| 4937 | FG-15167Feb 26 | Cedar Valley | 65Insufficient funds | Retry schedule | 1 | Recovered | $80 | $0.10 | b4b79de3…cd39 |
| 4938 | FG-15168Jul 26 | Riverbend | 19Issuer unavailable | Retry schedule | 1 | Recovered | $30 | $0.10 | 5838124e…e516 |
| 4939 | FG-15169Aug 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 7a4a43cd…7fc4 |
| 4940 | FG-15170Sep 26 | Riverbend | 65Insufficient funds | Retry schedule | 1 | Not recovered | — | $0.10 | 0eac2768…7045 |
| 4941 | FG-15171Dec 25 | Northgate | 33Expired card | Donor outreach | 0 | Stopped | — | $0.00 | 35557fc5…f021 |
| 4942 | FG-15172Aug 26 | Riverbend | 61Insufficient funds | Retry schedule | 3 | Recovered | $20 | $0.30 | 000526ec…f0b2 |
| 4943 | FG-15173Apr 26 | Cedar Valley | 01Do not honor | Retry schedule | 3 | Not recovered | — | $0.30 | 868980b7…50a2 |
| 4944 | FG-15174Nov 25 | Lumen Arts | 61Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 684fb096…40c8 |
| 4945 | FG-15175Jul 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 1 | Recovered | $30 | $0.10 | 68c5d9b4…1973 |
| 4946 | FG-15176Sep 26 | Lumen Arts | 65Insufficient funds | Retry schedule | 2 | Recovered | $30 | $0.20 | 872d9cb8…41ec |
| 4947 | FG-15177Feb 26 | Cedar Valley | 63Suspected fraud | Donor outreach | 1 | Recovered | $25 | $0.10 | 9b7bcd3b…c0da |
| 4948 | FG-15178May 26 | Cedar Valley | 61Insufficient funds | Retry schedule | 1 | Recovered | $25 | $0.10 | c4ccbc97…31db |
| 4949 | FG-15179Jun 26 | Riverbend | 59Suspected fraud | Donor outreach | 0 | Not recovered | — | $0.00 | 8b0aba62…ead3 |
| 4950 | FG-15180Aug 26 | Harbor Light | 65Insufficient funds | Retry schedule | 1 | Stopped | — | $0.10 | 337f9b04…c258 |
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.