9credit 日报 · 2026-07-10

01总体大盘 · Real-time Top Summary 截至 2026-07-10 13:59 | 花费含汇率系数

💰

今日总花费

$414.20

昨日同期 $348.70 +18.8%

📝

注册成本 CPA

$0.20

花费 $414.20 ÷ 注册 2.1K

🏦

今日放款量

154

截至13时

💵

放款成本 CPL

$2.69

花费 $414.20 ÷ 放款 154

✅

审批通过率

18.6%

riskpass 429 ÷ apply 2.3K

🎯

打款率

35.9%

放款 154 ÷ 审批通过 429

📈

放款/注册率

7.3%

放款 154 ÷ 注册 2.1K

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 $94.75 | 昨日同期 $117.15 | 昨日全天 $198.14 -19.1% 环比

TikTok 今日 $319.44 | 昨日同期 $231.57 | 昨日全天 $412.94 +37.9% 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	999	818	886	179	69	$0.64	$566.11	3.2%	$530.19	$0.53	$7.68	$7.68	20.2%	100.0%
TikTok	847	730	704	142	44	$0.47	$330.20	6.8%	$319.44	$0.17	$3.31	$3.31	20.2%	100.0%
Organic	390	273	342	43	19	$0.71	$242.59	0.0%	$0.00	$0.00	$0.00	$0.00	12.6%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	301	200	277	54	18	$0.53	$146.55	2.8%	$94.76	$0.52	$8.72	$8.72	19.5%	100.0%
opay	101	76	87	10	3	$0.05	$4.28	0.0%	$0.00	$0.00	$0.00	$0.00	11.5%	100.0%
Untrusted Devices	8	9	7	1	1	$0.16	$1.09	0.0%	$0.00	$0.00	$0.00	$0.00	14.3%	100.0%

04Campaign 细分下钻大盘平均CPA = $2.69；预警阈值 = $3.63（×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)	946	762	812	163	61	$470.57	$7.71	$7.71	2.1%	20.1%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	502	452	453	88	23	$72.66	$3.16	$3.16	7.5%	19.4%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	304	244	215	45	15	$70.11	$4.67	$4.67	2.7%	20.9%	⚠️ CPA超标
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	49	39	45	15	8	$59.62	$7.45	$7.45	12.0%	33.3%	⚠️ CPA超标
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	41	34	32	8	4	$2.97	$0.74	$0.74	83.1%	25.0%	—
Google Organic Search	9credit	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	9ja loan	1	1	1	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	easy loans	1	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	1	4	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	Nigeria-9c-2/5-approval (20969027993)	0	0	2	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	15	24	1	0	$0.00	$0.00	$0.00	0.0%	4.2%	—
Google Organic Search	loan app without bvn	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Off-Facebook Installs	Expired Attributions	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-2/14-purchase-test (1857083834064929)	0	0	0	0	1	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	0	2	1	1	$0.00	$0.00	$0.00	0.0%	50.0%	—
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 TikTok 消耗占比最高（77.1%），放款量占比仅为（28.6%），CPA = $7.26，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1条·渠道策略3条 | 大盘CPA $3.67·目标$5.00·放款率7.3%

🎯 Campaign 预警 & 机会

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

📊 CPA $7.71 vs 大盘 $3.67，超出110.0%

👉 ✂️ 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 $7.45 vs 大盘 $3.67，超出103.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

🚀扩量机会TIKTOKTT-9credit-6/29-loan-test (1869315867073858)

📊 放款率11.8%(大盘7.3%)，ROI 83.1%

👉 📈 提高预算+20%（+$0.59/日），低成本窗口

💼 渠道预算策略建议

🔴压缩 TikTok 预算 -30%

CPA $7.26 高于大盘98.0% | 花费77.0% vs 放款39.0%

💡 削减约-$95.83/日，资源向Google倾斜

⚖️渠道集中度过高（TikTok 占77.0%）

单渠道依赖大，且CPA偏高 $7.26

💡 将10-15%预算分流其他渠道，降低集中风险

🏆整体ROI达标（9.3% ≥ 5.0%）

申请金额 $1,291，总花费 $414.20

💡 可适度扩大总预算10-15%，测试放量上限

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