9credit 日报 · 2026-07-31

01总体大盘 · Real-time Top Summary 完整小时截至 17:59 · 18:00进行中不计入环比 | 花费含汇率系数

💰

今日总花费

$1,196

昨日同期 $1,373 -12.9%

📝

注册成本 CPA

$0.38

花费 $1,196 ÷ 注册 3.2K

🏦

今日放款量

268

完整至17时

💵

放款成本 CPL

$4.46

花费 $1,196 ÷ 放款 268

✅

审批通过率

18.6%

riskpass 697 ÷ apply 3.7K

🎯

打款率

38.5%

放款 268 ÷ 审批通过 697

📈

放款/注册率

8.4%

放款 268 ÷ 注册 3.2K

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 $822.34 | 昨日同期 $971.11 | 昨日全天 $1,357 -15.3% 环比 · 18点进行中未计入

Meta/FB 今日 $163.59 | 昨日同期 $185.12 | 昨日全天 $251.64 -11.6% 环比 · 18点进行中未计入

TikTok 今日 $210.18 | 昨日同期 $216.63 | 昨日全天 $318.66 -3.0% 环比 · 18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	1.6K	1.3K	1.5K	314	135	$0.69	$1,001	4.0%	$822.33	$0.49	$5.61	$5.61	21.6%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	902	684	709	163	53	$0.32	$227.42	1.6%	$164.06	$0.46	$7.85	$7.85	23.0%	100.0%
TikTok	726	634	793	136	46	$0.32	$253.29	3.6%	$211.31	$0.29	$4.55	$4.55	17.2%	100.0%
Organic	665	450	594	65	27	$0.18	$106.49	0.0%	$0.00	$0.00	$0.00	$0.00	10.9%	100.0%
opay	167	123	177	16	7	$0.38	$66.91	0.0%	$0.00	$0.00	$0.00	$0.00	9.0%	100.0%
Untrusted Devices	18	16	18	2	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	11.1%	100.0%
offical_website	1	0	0	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
Ease_diversion	0	1	4	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	25.0%	100.0%
Facebook Messenger Installs	0	1	0	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
网盟nova-9c	0	1	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 = $4.47；预警阈值 = $6.03（×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)	1.5K	1.2K	1.3K	287	118	$623.39	$5.28	$5.28	3.6%	21.5%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	658	522	502	93	35	$190.77	$5.45	$5.45	3.2%	18.5%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	95	69	80	18	13	$134.18	$10.32	$10.32	2.9%	22.5%	⚠️ CPA超标
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	32	26	21	4	0	$9.39	$0.00	$0.00	0.0%	19.0%	—
TikTok SAN	TT-9C-7/28-LOAN-test (1871956258578482)	25	20	10	2	0	$9.00	$0.00	$0.00	0.0%	20.0%	🧪 New Test
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	13	63	252	37	11	$0.14	$0.01	$0.01	10.4%	14.7%	—
Google Organic Search	9credit	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	9credit loan app	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	download loan app	1	1	1	1	0	$0.00	$0.00	$0.00	0.0%	100.0%	—
Google Organic Search	loan app that support opay in nigeria	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan apps	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	need loan	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	new online loan	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	6	9	1	0	$0.00	$0.00	$0.00	0.0%	11.1%	—
Google Ads ACI	Nigeria-9c-0605-Reg (21356412680)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	Nigeria-9c-2/5-approval (20969027993)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	16	32	7	3	$0.00	$0.00	$0.00	0.0%	21.9%	—
Google Organic Search	where can i borrow money with my bvn	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	which loan app gives 100k instantly without	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-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	3	4	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9c-4/23-loan-test (1863069733274801)	0	0	2	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-purchase-11/9-test (1851030776499857)	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 Google 消耗占比最高（68.7%），放款量占比仅为（50.4%），CPA = $6.09，请注意优化投放效率。

06智能优化建议引擎Campaign预警1条·扩量1条·渠道策略2条 | 大盘CPA $6.62·目标$5.00·放款率9.5%

🎯 Campaign 预警 & 机会

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

📊 CPA $10.32 vs 大盘 $6.62，超出56.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

🚀扩量机会TIKTOKTT-9C-LOAN-6/12-time (1834710892745777)

📊 放款率17.5%(大盘9.5%)，ROI 10.4%

👉 📈 提高预算+20%（+$0.03/日），低成本窗口

💼 渠道预算策略建议

🟢加大 Meta 投入 +25%

CPA $3.10 低于大盘53.0% | 花费占比14.0% / 放款占比29.0%

💡 日预算提高+25%（约+$41.02），优先放量

📊整体ROI 4.1% 低于目标 5.0%

申请金额 $1,655，总花费 $1,198

💡 优先放量高均单渠道/Campaign，提升资金转化比

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