9credit 日报 · 2026-07-12

01总体大盘 · Real-time Top Summary 截至 2026-07-12 13:59 | 花费含汇率系数

💰

今日总花费

$346.33

昨日同期 $406.48 -14.8%

📝

注册成本 CPA

$0.17

花费 $346.33 ÷ 注册 2.1K

🏦

今日放款量

150

截至13时

💵

放款成本 CPL

$2.31

花费 $346.33 ÷ 放款 150

✅

审批通过率

17.2%

riskpass 399 ÷ apply 2.3K

🎯

打款率

37.6%

放款 150 ÷ 审批通过 399

📈

放款/注册率

7.3%

放款 150 ÷ 注册 2.1K

02每小时消耗折线对比独立每小时消耗（非累计）| 今日曲线截至当前时刻

Google Ads 今日 $0.00 | 昨日同期 $0.00 | 昨日全天 $0.00 +0.0% 环比

Meta/FB 今日 $82.92 | 昨日同期 $120.46 | 昨日全天 $169.73 -31.2% 环比

TikTok 今日 $263.43 | 昨日同期 $286.03 | 昨日全天 $643.27 -7.9% 环比

03渠道综合数据表 ★ 花费 = 媒体API实时数据（含系数）

渠道	Install	注册	申请	Approved	放款	均单金额	申请金额	ROI	花费 ★	CPI	CPA	CPS	审批率	风控通过率
Google Ads	1.0K	814	914	179	74	$0.80	$732.74	4.0%	$556.19	$0.54	$7.52	$7.52	19.6%	100.0%
TikTok	837	724	705	129	39	$0.23	$159.60	0.0%	$263.42	$0.00	$0.00	$0.00	18.3%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	276	170	248	40	20	$0.74	$183.53	3.8%	$82.91	$0.52	$7.17	$7.17	16.1%	100.0%
Organic	372	257	330	38	11	$0.09	$30.96	0.0%	$0.00	$0.00	$0.00	$0.00	11.5%	100.0%
opay	105	80	102	11	6	$1.01	$102.97	0.0%	$0.00	$0.00	$0.00	$0.00	10.8%	100.0%
Untrusted Devices	14	11	16	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	6.2%	100.0%
offical_website	1	0	1	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
Ease_diversion	0	4	1	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	100.0%	100.0%
Pangle	0	0	1	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
TikTok for Business (Ad Spend)	0	0	0	0	0	$0.00	$0.00	0.0%	$268.17	$0.00	$0.00	$0.00	0.0%	0.0%
网盟nova-9c	0	1	0	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%

04Campaign 细分下钻大盘平均CPA = $2.31；预警阈值 = $3.12（×1.35）

渠道	Campaign	Install	注册	申请	Approved	放款	花费	CPA	CPS	ROI	审批率	标记
Google Ads ACI	Nigeria-9c-1113-credit5000+ (20959936961)	950	742	841	161	65	$466.69	$7.18	$7.18	3.8%	19.1%	⚠️ CPA超标
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	75	63	52	13	7	$89.50	$12.79	$12.79	4.3%	25.0%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	542	484	423	75	16	$0.00	$0.00	$0.00	0.0%	17.7%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	264	210	246	46	18	$0.00	$0.00	$0.00	0.0%	18.7%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	31	26	25	6	3	$0.00	$0.00	$0.00	0.0%	24.0%	—
Google Organic Search	loan app	1	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	3	5	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	Nigeria-9c-2/5-approval (20969027993)	0	2	2	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	7	13	2	1	$0.00	$0.00	$0.00	0.0%	15.4%	—
Google Organic Search	9 credit	0	0	1	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—
Google Organic Search	9ja credit loan	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan app in nigeria	0	0	2	1	0	$0.00	$0.00	$0.00	0.0%	50.0%	—
Google Organic Search	loan app with loan viewing records in nigeria	0	0	1	1	0	$0.00	$0.00	$0.00	0.0%	100.0%	—
Off-Facebook Installs	Expired Attributions	0	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-0514-VO-TEST (1865133192555633)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9c-2/14-purchase-test (1857083834064929)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-3/12-auto-vo-test (1860093202352401)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-3/12-LOAN-test (1859444290528338)	0	0	3	2	2	$0.00	$0.00	$0.00	0.0%	66.7%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	3	5	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-Register-5/20-test (1865686291754210)	0	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—

05占比分析

💰 花费占比

🏦 放款量占比

💡 当前 TikTok 消耗占比最高（76.1%），放款量占比仅为（26.0%），CPA = $6.75，请注意优化投放效率。

06智能优化建议引擎Campaign预警3条·扩量0条·渠道策略3条 | 大盘CPA $3.06·目标$5.00·放款率7.3%

🎯 Campaign 预警 & 机会

💸CPA超标GOOGLENigeria-9c-1113-credit5000+ (20959936961)

📊 CPA $7.18 vs 大盘 $3.06，超出134.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

⚠️劣质流量TIKTOKTT-9C-LOAN-6/12-time (1834710892745777)

📊 放款率 3.3% vs 大盘 7.3%

👉 📉 削减预算30-50%，检查受众授信资质

💸CPA超标GOOGLEGG-9credit-3.0-loan-5/26-test (23885913778)

📊 CPA $12.79 vs 大盘 $3.06，超出317.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

💼 渠道预算策略建议

🔴压缩 TikTok 预算 -30%

CPA $6.75 高于大盘120.0% | 花费76.0% vs 放款35.0%

💡 削减约-$79.03/日，资源向Google倾斜

⚖️渠道集中度过高（TikTok 占76.0%）

单渠道依赖大，且CPA偏高 $6.75

💡 将10-15%预算分流其他渠道，降低集中风险

🏆整体ROI达标（10.5% ≥ 5.0%）

申请金额 $1,210，总花费 $346.33

💡 可适度扩大总预算10-15%，测试放量上限

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