9credit 日报 · 2026-07-10

01总体大盘 · Real-time Top Summary 截至 2026-07-10 16:59 | 花费含汇率系数

💰

今日总花费

$646.18

昨日同期 $439.62 +47.0%

📝

注册成本 CPA

$0.13

花费 $646.18 ÷ 注册 5.0K

🏦

今日放款量

392

截至16时

💵

放款成本 CPL

$1.65

花费 $646.18 ÷ 放款 392

✅

审批通过率

19.5%

riskpass 1.0K ÷ apply 5.2K

🎯

打款率

38.8%

放款 392 ÷ 审批通过 1.0K

📈

放款/注册率

7.9%

放款 392 ÷ 注册 5.0K

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 $143.42 | 昨日同期 $152.11 | 昨日全天 $198.39 -5.7% 环比

TikTok 今日 $502.76 | 昨日同期 $287.51 | 昨日全天 $412.94 +74.9% 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	2.4K	2.0K	2.0K	419	176	$0.86	$1,763	4.6%	$1,162	$0.48	$6.60	$6.60	20.5%	100.0%
TikTok	1.9K	1.6K	1.6K	326	109	$0.55	$865.97	0.0%	$502.75	$0.00	$0.00	$0.00	20.8%	100.0%
Organic	926	652	797	122	46	$0.44	$349.44	0.0%	$0.00	$0.00	$0.00	$0.00	15.3%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	659	461	571	114	45	$0.48	$272.57	2.7%	$143.42	$0.46	$6.72	$6.72	20.0%	100.0%
opay	211	168	185	25	14	$1.07	$197.87	0.0%	$0.00	$0.00	$0.00	$0.00	13.5%	100.0%
Untrusted Devices	23	18	25	3	1	$0.04	$1.09	0.0%	$0.00	$0.00	$0.00	$0.00	12.0%	100.0%
Ease_diversion	0	0	2	1	1	$0.83	$1.67	0.0%	$0.00	$0.00	$0.00	$0.00	50.0%	100.0%
Pangle	0	1	0	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%	$641.66	$0.00	$0.00	$0.00	0.0%	0.0%
网盟nova-9c	0	0	1	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 = $1.65；预警阈值 = $2.23（×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)	2.3K	1.9K	1.9K	390	161	$1,012	$6.28	$6.28	4.1%	20.7%	⚠️ CPA超标
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	128	109	111	26	15	$150.35	$10.02	$10.02	7.8%	23.4%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	1.2K	1.1K	981	192	57	$0.00	$0.00	$0.00	0.0%	19.6%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	573	484	484	102	39	$0.00	$0.00	$0.00	0.0%	21.1%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	134	104	92	30	10	$0.00	$0.00	$0.00	0.0%	32.6%	—
Google Organic Search	9credit	2	1	2	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	9ja loan	1	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	best loan app in nigeria	1	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	easy loans	1	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	6	12	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	Nigeria-9c-2/5-approval (20969027993)	0	1	4	1	0	$0.00	$0.00	$0.00	0.0%	25.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	21	42	2	0	$0.00	$0.00	$0.00	0.0%	4.8%	—
Google Organic Search	loan app without bvn	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	ninecredit	0	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Instagram Installs	Expired Attributions	0	0	1	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—
Off-Facebook Installs	Expired Attributions	0	1	2	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-0514-VO-TEST (1865133192555633)	0	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-0522-purchase-test (1865874885651697)	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	1	0	0	1	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	2	6	1	1	$0.00	$0.00	$0.00	0.0%	16.7%	—
TikTok SAN	TT-9C-purchase-11/9-test (1851030776499857)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-purchase-smart+-11/6 (1848038734029858)	0	0	1	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—

05占比分析

💰 花费占比

🏦 放款量占比

💡 当前 TikTok 消耗占比最高（77.8%），放款量占比仅为（27.8%），CPA = $4.61，请注意优化投放效率。

06智能优化建议引擎Campaign预警2条·扩量0条·渠道策略3条 | 大盘CPA $2.26·目标$5.00·放款率7.8%

🎯 Campaign 预警 & 机会

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

📊 CPA $6.28 vs 大盘 $2.26，超出178.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

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

📊 CPA $10.02 vs 大盘 $2.26，超出344.0%

👉 ✂️ 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 $4.61 高于大盘104.0% | 花费78.0% vs 放款38.0%

💡 削减约-$150.83/日，资源向Google倾斜

⚖️渠道集中度过高（TikTok 占78.0%）

单渠道依赖大，且CPA偏高 $4.61

💡 将10-15%预算分流其他渠道，降低集中风险

🏆整体ROI达标（16.0% ≥ 5.0%）

申请金额 $3,451，总花费 $646.18

💡 可适度扩大总预算10-15%，测试放量上限

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