9credit 日报 · 2026-07-28

01总体大盘 · Real-time Top Summary 完整小时截至 02:59 · 03:00进行中不计入环比 | 花费含汇率系数

💰

今日总花费

$89.25

昨日同期 $100.65 -11.3%

📝

注册成本 CPA

$0.50

花费 $89.25 ÷ 注册 180

🏦

今日放款量

9

完整至02时

💵

放款成本 CPL

$9.92

花费 $89.25 ÷ 放款 9

✅

审批通过率

16.1%

riskpass 29 ÷ apply 180

🎯

打款率

31.0%

放款 9 ÷ 审批通过 29

📈

放款/注册率

5.0%

放款 9 ÷ 注册 180

02每小时消耗折线对比独立每小时消耗（非累计）| 环比仅完整小时

Google Ads 今日 $51.07 | 昨日同期 $63.62 | 昨日全天 $1,369 -19.7% 环比 · 03点进行中未计入

Meta/FB 今日 $8.56 | 昨日同期 $7.55 | 昨日全天 $251.23 +13.4% 环比 · 03点进行中未计入

TikTok 今日 $29.62 | 昨日同期 $29.47 | 昨日全天 $328.93 +0.5% 环比 · 03点进行中未计入

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	80	55	62	13	5	$2.22	$137.87	25.4%	$51.07	$0.20	$3.26	$3.26	21.0%	100.0%
Organic	49	24	32	7	2	$0.12	$3.81	0.0%	$0.00	$0.00	$0.00	$0.00	21.9%	100.0%
TikTok	84	72	55	5	1	$0.03	$1.47	0.3%	$30.10	$0.21	$17.56	$17.56	9.1%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	30	18	16	4	1	$0.13	$2.05	0.8%	$8.63	$0.27	$8.10	$8.10	25.0%	100.0%
opay	13	11	15	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
Untrusted Devices	2	1	2	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 = $9.98；预警阈值 = $13.47（×1.35）

渠道	Campaign	Install	注册	申请	Approved	放款	花费	CPA	CPS	ROI	审批率	标记
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	80	67	42	4	1	$16.42	$16.42	$16.42	0.3%	9.5%	—
Google Ads ACI	Nigeria-9c-1113-credit5000+ (20959936961)	73	50	56	11	5	$14.69	$2.94	$2.94	28.2%	19.6%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	4	3	4	2	0	$1.59	$0.00	$0.00	0.0%	50.0%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	1	0	0	0	0	$1.07	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	3	5	13	1	0	$0.07	$0.00	$0.00	0.0%	7.7%	—
Google Organic Search	app to get loan without bvn	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	legit loan apps in nigeria without bvn	1	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	top 20 loan app in nigeria	1	1	1	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 Google 消耗占比最高（56.9%），放款量占比仅为（55.6%），CPA = $10.21，请注意优化投放效率。

06智能优化建议引擎Campaign预警0条·扩量0条·渠道策略3条 | 大盘CPA $14.97·目标$5.00·放款率4.7%

🎯 Campaign 预警 & 机会

✅ 当前无异常Campaign

💼 渠道预算策略建议

🟢加大 Meta 投入 +25%

CPA $8.63 低于大盘42.0% | 花费占比10.0% / 放款占比17.0%

💡 日预算提高+25%（约+$2.16），优先放量

🔴压缩 TikTok 预算 -20%

CPA $30.10 高于大盘101.0% | 花费34.0% vs 放款17.0%

💡 削减约-$6.02/日，资源向Meta倾斜

📊整体ROI 4.9% 低于目标 5.0%

申请金额 $145.20，总花费 $89.80

💡 优先放量高均单渠道/Campaign，提升资金转化比

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