9credit 日报 · 2026-07-21

01总体大盘 · Real-time Top Summary 截至 2026-07-21 13:59 | 花费含汇率系数

💰

今日总花费

$317.52

昨日同期 $942.21 -66.3%

📝

注册成本 CPA

$0.14

花费 $317.52 ÷ 注册 2.3K

🏦

今日放款量

178

截至13时

💵

放款成本 CPL

$1.78

花费 $317.52 ÷ 放款 178

✅

审批通过率

18.5%

riskpass 496 ÷ apply 2.7K

🎯

打款率

35.9%

放款 178 ÷ 审批通过 496

📈

放款/注册率

7.7%

放款 178 ÷ 注册 2.3K

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 $549.63 | 昨日全天 $549.63 -100.0% 环比

Meta/FB 今日 $106.11 | 昨日同期 $125.84 | 昨日全天 $229.00 -15.7% 环比

TikTok 今日 $211.41 | 昨日同期 $266.75 | 昨日全天 $487.31 -20.7% 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	1.2K	974	1.1K	216	95	$0.72	$754.30	3.7%	$608.00	$0.50	$6.40	$6.40	20.5%	100.0%
TikTok	599	546	659	124	34	$0.19	$124.06	1.8%	$211.42	$0.35	$6.14	$6.14	18.8%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	483	333	371	71	24	$0.53	$195.08	2.9%	$106.10	$0.42	$8.40	$8.40	19.1%	100.0%
Organic	500	335	454	66	17	$0.20	$91.96	0.0%	$0.00	$0.00	$0.00	$0.00	14.5%	100.0%
opay	151	110	135	19	8	$0.62	$83.92	0.0%	$0.00	$0.00	$0.00	$0.00	14.1%	100.0%
Untrusted Devices	12	7	10	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
Ease_diversion	0	0	1	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	0	3	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 = $1.78；预警阈值 = $2.41（×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)	1.1K	911	979	202	83	$508.54	$6.13	$6.13	3.7%	20.6%	⚠️ CPA超标
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	446	389	342	67	16	$139.39	$8.71	$8.71	1.6%	19.6%	⚠️ CPA超标
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	73	51	51	12	10	$99.46	$9.95	$9.95	3.7%	23.5%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	125	130	279	48	15	$46.36	$3.09	$3.09	2.8%	17.2%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	28	24	33	8	3	$22.85	$7.62	$7.62	0.9%	24.2%	—
Google Organic Search	9credit loan	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	9credit loan app download apk	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	best loan app in nigeria 2026	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan app	1	1	1	1	0	$0.00	$0.00	$0.00	0.0%	100.0%	—
Google Organic Search	loan app in nigeria	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	sure loan app in nigeria	1	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	4	9	2	0	$0.00	$0.00	$0.00	0.0%	22.2%	—
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	4	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	8	14	1	2	$0.00	$0.00	$0.00	0.0%	7.1%	—
Google Organic Search	best loan app	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan app without face verification	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	what is the name best loan app in nigeria	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Instagram Installs	Expired Attributions	0	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Off-Facebook Installs	Expired Attributions	0	1	3	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-0522-purchase-test (1865874885651697)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	1	3	1	0	$0.00	$0.00	$0.00	0.0%	33.3%	—
TikTok SAN	TT-9c-4/23-loan-test (1863069733274801)	0	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9credit-LOAN-AI-1/9 (1853839236540465)	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（66.6%），放款量占比仅为（19.1%），CPA = $6.22，请注意优化投放效率。

06智能优化建议引擎Campaign预警5条·扩量0条·渠道策略2条 | 大盘CPA $2.46·目标$5.00·放款率8.5%

🎯 Campaign 预警 & 机会

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

📊 CPA $6.13 vs 大盘 $2.46，超出149.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

⚠️劣质流量TIKTOKTT-9C-3/31-loan-test (1861178003155986)

📊 放款率 4.1% vs 大盘 8.5%

👉 📉 削减预算30-50%，检查受众授信资质

💸CPA超标TIKTOKTT-9C-3/31-loan-test (1861178003155986)

📊 CPA $8.71 vs 大盘 $2.46，超出254.0%

👉 ✂️ 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 $9.95 vs 大盘 $2.46，超出304.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

💸CPA超标TIKTOKTT-9credit-6/29-loan-test (1869315867073858)

📊 CPA $7.62 vs 大盘 $2.46，超出209.0%

👉 ✂️ 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 $6.22 高于大盘153.0% | 花费67.0% vs 放款26.0%

💡 削减约-$63.43/日，资源向Google倾斜

🏆整体ROI达标（11.8% ≥ 5.0%）

申请金额 $1,249，总花费 $317.52

💡 可适度扩大总预算10-15%，测试放量上限

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