9credit 日报 · 2026-07-08

01总体大盘 · Real-time Top Summary 截至 2026-07-08 09:59 | 花费含汇率系数

💰

今日总花费

$138.55

昨日同期 $193.11 -28.3%

📝

注册成本 CPA

$0.17

花费 $138.55 ÷ 注册 799

🏦

今日放款量

71

截至09时

💵

放款成本 CPL

$1.95

花费 $138.55 ÷ 放款 71

✅

审批通过率

17.8%

riskpass 160 ÷ apply 901

🎯

打款率

44.4%

放款 71 ÷ 审批通过 160

📈

放款/注册率

8.9%

放款 71 ÷ 注册 799

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 $48.43 | 昨日同期 $65.70 | 昨日全天 $227.95 -26.3% 环比

TikTok 今日 $90.11 | 昨日同期 $127.41 | 昨日全天 $431.08 -29.3% 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	417	314	354	72	30	$0.74	$260.54	4.0%	$195.02	$0.47	$6.50	$6.50	20.3%	100.0%
TikTok	325	266	255	36	17	$0.26	$65.43	0.0%	$90.12	$0.00	$0.00	$0.00	14.1%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	169	103	117	28	11	$1.07	$125.38	4.7%	$48.43	$0.47	$7.26	$7.26	23.9%	100.0%
Organic	165	100	138	17	8	$0.10	$13.86	0.0%	$0.00	$0.00	$0.00	$0.00	12.3%	100.0%
opay	24	16	29	5	4	$4.78	$138.65	0.0%	$0.00	$0.00	$0.00	$0.00	17.2%	100.0%
Pangle	0	1	1	1	1	$1.46	$1.46	0.0%	$0.00	$0.00	$0.00	$0.00	100.0%	100.0%
Untrusted Devices	5	4	7	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	14.3%	100.0%
TikTok for Business (Ad Spend)	0	0	0	0	0	$0.00	$0.00	0.0%	$90.92	$0.00	$0.00	$0.00	0.0%	0.0%

04Campaign 细分下钻大盘平均CPA = $1.95；预警阈值 = $2.63（×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)	389	287	328	68	27	$164.75	$6.10	$6.10	4.6%	20.7%	⚠️ CPA超标
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	23	19	14	3	2	$30.27	$15.13	$15.13	0.5%	21.4%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	251	210	188	27	12	$0.00	$0.00	$0.00	0.0%	14.4%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	47	41	49	5	4	$0.00	$0.00	$0.00	0.0%	10.2%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	27	15	12	4	1	$0.00	$0.00	$0.00	0.0%	33.3%	—
Google Organic Search	apps that don't use credit score for loan	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	best loan app in nigeria	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan app without bvn just number	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	nigeria loan app	1	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	which online loan app there not asking face verified phone	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	0	1	1	0	$0.00	$0.00	$0.00	0.0%	100.0%	—
Google Ads ACI	Nigeria-9c-2/5-approval (20969027993)	0	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	4	9	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	9credit loans	0	0	1	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—
TikTok SAN	TT-0514-VO-TEST (1865133192555633)	0	0	3	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-3/12-LOAN-test (1859444290528338)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-Register-5/20-test (1865686291754210)	0	0	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 TikTok 消耗占比最高（65.0%），放款量占比仅为（23.9%），CPA = $5.30，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2条 | 大盘CPA $2.95·目标$5.00·放款率8.1%

🎯 Campaign 预警 & 机会

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

📊 CPA $6.10 vs 大盘 $2.95，超出107.0%

👉 ✂️ 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 $15.13 vs 大盘 $2.95，超出413.0%

👉 ✂️ 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 $5.30 高于大盘80.0% | 花费65.0% vs 放款36.0%

💡 削减约-$27.04/日，资源向Google倾斜

🏆整体ROI达标（13.1% ≥ 5.0%）

申请金额 $605.32，总花费 $138.55

💡 可适度扩大总预算10-15%，测试放量上限

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