9credit 日报 · 2026-07-21

01总体大盘 · Real-time Top Summary 截至 2026-07-21 16:59 | 花费含汇率系数

💰

今日总花费

$429.50

昨日同期 $1,055 -59.3%

📝

注册成本 CPA

$0.13

花费 $429.50 ÷ 注册 3.2K

🏦

今日放款量

252

截至16时

💵

放款成本 CPL

$1.70

花费 $429.50 ÷ 放款 252

✅

审批通过率

19.3%

riskpass 727 ÷ apply 3.8K

🎯

打款率

34.7%

放款 252 ÷ 审批通过 727

📈

放款/注册率

7.8%

放款 252 ÷ 注册 3.2K

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 $0.00 | 昨日同期 $549.63 | 昨日全天 $549.63 -100.0% 环比

Meta/FB 今日 $148.54 | 昨日同期 $166.85 | 昨日全天 $229.09 -11.0% 环比

TikTok 今日 $280.95 | 昨日同期 $338.69 | 昨日全天 $487.31 -17.0% 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	1.8K	1.4K	1.5K	317	125	$0.69	$1,025	5.1%	$608.00	$0.35	$4.86	$4.86	21.2%	100.0%
TikTok	792	733	907	171	53	$0.19	$173.77	2.5%	$280.96	$0.26	$3.94	$3.94	18.9%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	690	479	528	116	36	$0.43	$225.51	3.4%	$148.54	$0.29	$5.60	$5.60	22.0%	100.0%
Organic	687	472	632	96	28	$0.33	$210.52	0.0%	$0.00	$0.00	$0.00	$0.00	15.2%	100.0%
opay	196	144	185	25	10	$0.48	$89.13	0.0%	$0.00	$0.00	$0.00	$0.00	13.5%	100.0%
Untrusted Devices	16	10	12	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	8.3%	100.0%
Ease_diversion	0	1	2	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	6	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	16.7%	100.0%

04Campaign 细分下钻大盘平均CPA = $1.70；预警阈值 = $2.30（×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)	1.6K	1.3K	1.4K	296	110	$508.54	$4.62	$4.62	4.7%	21.5%	⚠️ CPA超标
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	592	518	460	92	21	$139.39	$6.64	$6.64	1.9%	20.0%	⚠️ CPA超标
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	101	71	81	18	13	$99.46	$7.65	$7.65	6.9%	22.2%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	170	184	394	68	29	$46.36	$1.60	$1.60	5.1%	17.3%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	30	28	44	10	3	$22.85	$7.62	$7.62	0.9%	22.7%	—
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	show me the best loan app	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	5	15	4	1	$0.00	$0.00	$0.00	0.0%	26.7%	—
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	6	1	0	$0.00	$0.00	$0.00	0.0%	16.7%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	9	21	1	2	$0.00	$0.00	$0.00	0.0%	4.8%	—
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	2	4	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	6	1	0	$0.00	$0.00	$0.00	0.0%	16.7%	—
TikTok SAN	TT-9c-4/21-loan-test (1863068932070498)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
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（65.4%），放款量占比仅为（21.0%），CPA = $5.30，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 $2.40·目标$5.00·放款率8.3%

🎯 Campaign 预警 & 机会

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

📊 CPA $4.62 vs 大盘 $2.40，超出93.0%

👉 ✂️ 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 8.3%

👉 📉 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 $6.64 vs 大盘 $2.40，超出177.0%

👉 ✂️ 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 $7.65 vs 大盘 $2.40，超出219.0%

👉 ✂️ 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 $2.40，超出217.0%

👉 ✂️ 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 $5.30 高于大盘121.0% | 花费65.0% vs 放款30.0%

💡 削减约-$84.29/日，资源向Google倾斜

🏆整体ROI达标（12.0% ≥ 5.0%）

申请金额 $1,724，总花费 $429.50

💡 可适度扩大总预算10-15%，测试放量上限

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