9credit 日报 · 2026-07-20

01总体大盘 · Real-time Top Summary 截至 2026-07-20 10:59 | 花费含汇率系数

💰

今日总花费

$619.31

昨日同期 $775.23 -20.1%

📝

注册成本 CPA

$0.52

花费 $619.31 ÷ 注册 1.2K

🏦

今日放款量

87

截至10时

💵

放款成本 CPL

$7.12

花费 $619.31 ÷ 放款 87

✅

审批通过率

18.2%

riskpass 257 ÷ apply 1.4K

🎯

打款率

33.9%

放款 87 ÷ 审批通过 257

📈

放款/注册率

7.4%

放款 87 ÷ 注册 1.2K

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 $380.05 | 昨日同期 $497.90 | 昨日全天 $1,517 -23.7% 环比

Meta/FB 今日 $61.99 | 昨日同期 $86.95 | 昨日全天 $240.29 -28.7% 环比

TikTok 今日 $177.29 | 昨日同期 $190.37 | 昨日全天 $636.84 -6.9% 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	593	451	529	106	41	$0.60	$317.26	3.7%	$380.06	$0.43	$6.23	$6.23	20.0%	100.0%
TikTok	424	327	378	64	20	$0.27	$101.62	2.3%	$177.28	$0.31	$6.66	$6.66	16.9%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	278	201	199	43	14	$0.35	$68.79	2.1%	$61.96	$0.35	$7.05	$7.05	21.6%	100.0%
Organic	236	145	232	30	6	$0.24	$55.81	0.0%	$0.00	$0.00	$0.00	$0.00	12.9%	100.0%
opay	64	49	64	12	5	$0.65	$41.75	0.0%	$0.00	$0.00	$0.00	$0.00	18.8%	100.0%
Untrusted Devices	8	6	8	2	1	$2.30	$18.41	0.0%	$0.00	$0.00	$0.00	$0.00	25.0%	100.0%
Ease_diversion	0	1	0	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 = $7.12；预警阈值 = $9.61（×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)	564	427	491	103	39	$220.91	$5.66	$5.66	2.9%	21.0%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	274	223	236	38	13	$88.73	$6.83	$6.83	1.4%	16.1%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	26	19	24	2	1	$34.33	$34.33	$34.33	8.8%	8.3%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	122	86	118	23	7	$33.61	$4.80	$4.80	5.3%	19.5%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	28	17	19	2	0	$10.86	$0.00	$0.00	0.0%	10.5%	—
Google Organic Search	list of loan apps in nigeria	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan app	1	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan app in nigeria without selfie	1	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	0	3	1	0	$0.00	$0.00	$0.00	0.0%	33.3%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	3	12	1	1	$0.00	$0.00	$0.00	0.0%	8.3%	—
TikTok SAN	TT-9c-2/14-purchase-test (1857083834064929)	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	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9c-4/23-loan-test (1863069733274801)	0	0	1	1	0	$0.00	$0.00	$0.00	0.0%	100.0%	—
TikTok SAN	TT-9C-4/9-loan-test (1861974316390417)	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（61.4%），放款量占比仅为（47.1%），CPA = $9.27，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0条·渠道策略2条 | 大盘CPA $10.15·目标$5.00·放款率7.8%

🎯 Campaign 预警 & 机会

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

📊 CPA $34.33 vs 大盘 $10.15，超出238.0%

👉 ✂️ 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56.0% | 花费占比10.0% / 放款占比23.0%

💡 日预算提高+25%（约+$15.49），优先放量

📊整体ROI 2.9% 低于目标 5.0%

申请金额 $603.64，总花费 $619.31

💡 优先放量高均单渠道/Campaign，提升资金转化比

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