9credit 日报 · 2026-07-18

01总体大盘 · Real-time Top Summary 截至 2026-07-18 10:59 | 花费含汇率系数

💰

今日总花费

$629.45

昨日同期 $782.48 -19.6%

📝

注册成本 CPA

$0.45

花费 $629.45 ÷ 注册 1.4K

🏦

今日放款量

120

截至10时

💵

放款成本 CPL

$5.25

花费 $629.45 ÷ 放款 120

✅

审批通过率

19.0%

riskpass 319 ÷ apply 1.7K

🎯

打款率

37.6%

放款 120 ÷ 审批通过 319

📈

放款/注册率

8.5%

放款 120 ÷ 注册 1.4K

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 $381.10 | 昨日同期 $534.84 | 昨日全天 $1,520 -28.7% 环比

Meta/FB 今日 $62.05 | 昨日同期 $68.80 | 昨日全天 $204.23 -9.8% 环比

TikTok 今日 $186.27 | 昨日同期 $178.84 | 昨日全天 $564.43 +4.2% 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	606	457	580	130	57	$0.59	$340.02	4.5%	$381.12	$0.38	$4.01	$4.01	22.4%	100.0%
TikTok	575	480	496	99	31	$0.66	$327.85	6.8%	$186.27	$0.25	$4.64	$4.64	20.0%	100.0%
Organic	286	195	283	36	17	$0.20	$55.65	0.0%	$0.00	$0.00	$0.00	$0.00	12.7%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	294	198	225	44	14	$0.27	$61.45	2.0%	$62.06	$0.31	$6.58	$6.58	19.6%	100.0%
opay	87	65	76	6	1	$0.04	$2.75	0.0%	$0.00	$0.00	$0.00	$0.00	7.9%	100.0%
Untrusted Devices	13	11	11	3	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	27.3%	100.0%
offical_website	1	1	1	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
Ease_diversion	0	0	2	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	50.0%	100.0%
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 = $5.25；预警阈值 = $7.08（×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)	553	421	527	118	52	$176.91	$3.40	$3.40	5.0%	22.4%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	410	362	353	68	15	$90.48	$6.03	$6.03	2.4%	19.3%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	50	24	31	7	2	$51.83	$25.91	$25.91	2.2%	22.6%	⚠️ CPA超标
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	134	92	118	26	16	$41.15	$2.57	$2.57	18.7%	22.0%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	31	23	21	4	0	$12.21	$0.00	$0.00	0.0%	19.0%	—
Google Organic Search	best loan app with nin	1	1	1	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—
Google Organic Search	best online loan with nin only	1	1	1	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	2	4	1	0	$0.00	$0.00	$0.00	0.0%	25.0%	—
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	1	2	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	8	15	4	2	$0.00	$0.00	$0.00	0.0%	26.7%	—
Google Organic Search	loan app that disburse to opay account	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Instagram Installs	Expired Attributions	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Off-Facebook Installs	Expired Attributions	0	0	2	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-3/12-LOAN-test (1859444290528338)	0	0	3	1	0	$0.00	$0.00	$0.00	0.0%	33.3%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	3	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（60.5%），放款量占比仅为（47.5%），CPA = $6.69，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 $7.15·目标$5.00·放款率9.4%

🎯 Campaign 预警 & 机会

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

📊 放款率 4.1% vs 大盘 9.4%

👉 📉 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 $25.91 vs 大盘 $7.15，超出262.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

💼 渠道预算策略建议

🟢加大 Meta 投入 +25%

CPA $4.43 低于大盘38.0% | 花费占比10.0% / 放款占比16.0%

💡 日预算提高+25%（约+$15.51），优先放量

📊整体ROI 3.8% 低于目标 5.0%

申请金额 $787.73，总花费 $629.45

💡 优先放量高均单渠道/Campaign，提升资金转化比

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