9credit 日报 · 2026-07-08

01总体大盘 · Real-time Top Summary 截至 2026-07-08 14:59 | 花费含汇率系数

💰

今日总花费

$398.18

昨日同期 $374.57 +6.3%

📝

注册成本 CPA

$0.16

花费 $398.18 ÷ 注册 2.5K

🏦

今日放款量

205

截至14时

💵

放款成本 CPL

$1.94

花费 $398.18 ÷ 放款 205

✅

审批通过率

18.7%

riskpass 506 ÷ apply 2.7K

🎯

打款率

40.5%

放款 205 ÷ 审批通过 506

📈

放款/注册率

8.1%

放款 205 ÷ 注册 2.5K

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 $124.50 | 昨日同期 $142.40 | 昨日全天 $228.58 -12.6% 环比

TikTok 今日 $273.67 | 昨日同期 $232.19 | 昨日全天 $431.08 +17.9% 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	1.3K	1.0K	1.1K	222	101	$0.81	$857.90	5.4%	$473.74	$0.37	$4.69	$4.69	20.9%	100.0%
TikTok	1.0K	838	796	140	49	$0.46	$367.02	0.0%	$273.69	$0.00	$0.00	$0.00	17.6%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	431	286	343	74	24	$0.44	$151.93	2.6%	$124.49	$0.40	$7.25	$7.25	21.6%	100.0%
Organic	506	340	413	49	21	$0.18	$74.18	0.0%	$0.00	$0.00	$0.00	$0.00	11.9%	100.0%
opay	55	41	76	13	8	$2.20	$167.25	0.0%	$0.00	$0.00	$0.00	$0.00	17.1%	100.0%
Untrusted Devices	13	11	19	6	1	$0.08	$1.46	0.0%	$0.00	$0.00	$0.00	$0.00	31.6%	100.0%
Pangle	0	1	2	1	1	$0.73	$1.46	0.0%	$0.00	$0.00	$0.00	$0.00	50.0%	100.0%
Ease_diversion	0	0	3	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	33.3%	100.0%
TikTok for Business (Ad Spend)	0	0	0	0	0	$0.00	$0.00	0.0%	$233.07	$0.00	$0.00	$0.00	0.0%	0.0%
网盟nova-9c	0	2	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 = $1.94；预警阈值 = $2.62（×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)	1.2K	935	995	203	89	$411.25	$4.62	$4.62	5.1%	20.4%	⚠️ CPA超标
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	59	49	44	14	10	$62.48	$6.25	$6.25	7.4%	31.8%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	722	616	554	91	24	$0.00	$0.00	$0.00	0.0%	16.4%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	223	182	198	41	23	$0.00	$0.00	$0.00	0.0%	20.7%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	61	39	33	7	2	$0.00	$0.00	$0.00	0.0%	21.2%	—
Google Organic Search	9 credit	1	0	1	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—
Google Organic Search	9 credit loan app	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	9credit loan	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
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 with nin only no credit check apk	1	0	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	3	4	3	0	$0.00	$0.00	$0.00	0.0%	75.0%	—
Google Ads ACI	9credit2-2.5-Loan-0530 (14900376715)	0	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	Nigeria-9c-2/5-approval (20969027993)	0	1	4	2	0	$0.00	$0.00	$0.00	0.0%	50.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	10	14	1	0	$0.00	$0.00	$0.00	0.0%	7.1%	—
Google Organic Search	9credit loans	0	0	1	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—
Off-Facebook Installs	Expired Attributions	0	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
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-2/10-VO-Test (1856735148818498)	0	0	1	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	1	3	1	0	$0.00	$0.00	$0.00	0.0%	33.3%	—
TikTok SAN	TT-9C-4/9-loan-test (1861974316390417)	0	0	1	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%	—
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（68.7%），放款量占比仅为（23.9%），CPA = $5.59，请注意优化投放效率。

06智能优化建议引擎Campaign预警3条·扩量0条·渠道策略2条 | 大盘CPA $2.65·目标$5.00·放款率8.1%

🎯 Campaign 预警 & 机会

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

📊 CPA $4.62 vs 大盘 $2.65，超出74.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

⚠️劣质流量TIKTOKTT-9C-LOAN-6/12-time (1834710892745777)

📊 放款率 3.9% vs 大盘 8.1%

👉 📉 削减预算30-50%，检查受众授信资质

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

📊 CPA $6.25 vs 大盘 $2.65，超出135.0%

👉 ✂️ 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 $5.59 高于大盘110.0% | 花费69.0% vs 放款33.0%

💡 削减约-$82.11/日，资源向Google倾斜

🏆整体ROI达标（12.2% ≥ 5.0%）

申请金额 $1,621，总花费 $398.18

💡 可适度扩大总预算10-15%，测试放量上限

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