9credit 日报 · 2026-07-22

01总体大盘 · Real-time Top Summary 截至 2026-07-22 16:59 | 花费含汇率系数

💰

今日总花费

$1,188

昨日同期 $1,521 -21.9%

📝

注册成本 CPA

$0.36

花费 $1,188 ÷ 注册 3.3K

🏦

今日放款量

271

截至16时

💵

放款成本 CPL

$4.38

花费 $1,188 ÷ 放款 271

✅

审批通过率

18.6%

riskpass 669 ÷ apply 3.6K

🎯

打款率

40.5%

放款 271 ÷ 审批通过 669

📈

放款/注册率

8.2%

放款 271 ÷ 注册 3.3K

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 $830.71 | 昨日同期 $1,082 | 昨日全天 $1,517 -23.2% 环比

Meta/FB 今日 $120.52 | 昨日同期 $154.52 | 昨日全天 $203.46 -22.0% 环比

TikTok 今日 $236.63 | 昨日同期 $284.36 | 昨日全天 $493.31 -16.8% 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	1.5K	1.2K	1.3K	269	118	$1.00	$1,290	6.8%	$830.72	$0.38	$4.84	$4.84	20.8%	100.0%
TikTok	1.2K	1.0K	995	173	64	$0.30	$293.79	4.6%	$236.62	$0.16	$3.01	$3.01	17.4%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	719	527	545	125	51	$0.41	$223.22	3.1%	$120.50	$0.30	$4.18	$4.18	22.9%	100.0%
Organic	603	423	571	78	26	$0.29	$164.97	0.0%	$0.00	$0.00	$0.00	$0.00	13.7%	100.0%
opay	202	149	177	23	11	$0.29	$51.37	0.0%	$0.00	$0.00	$0.00	$0.00	13.0%	100.0%
Untrusted Devices	21	17	21	1	1	$0.56	$11.66	0.0%	$0.00	$0.00	$0.00	$0.00	4.8%	100.0%
Ease_diversion	0	0	1	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
offical_website	0	0	1	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	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 = $4.38；预警阈值 = $5.92（×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)	1.4K	1.1K	1.2K	246	99	$486.86	$4.92	$4.92	4.0%	20.5%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	1.0K	831	594	103	34	$130.11	$3.83	$3.83	2.5%	17.3%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	70	49	65	15	15	$83.91	$5.59	$5.59	19.9%	23.1%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	133	136	338	58	25	$46.48	$1.86	$1.86	11.3%	17.2%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	62	51	52	10	4	$16.32	$4.08	$4.08	1.7%	19.2%	—
Google Organic Search	loan app	1	0	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loan app with low interest rate	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	loans app	1	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	nigeria loan app	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	which app does not require bvn to borrow money	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	5	8	2	3	$0.00	$0.00	$0.00	0.0%	25.0%	—
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	18	25	8	4	$0.00	$0.00	$0.00	0.0%	32.0%	—
Google Organic Search	9credit loan	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	best app to take loan in nigeria	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-0514-VO-TEST (1865133192555633)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-3/12-auto-vo-test (1860093202352401)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	2	7	1	1	$0.00	$0.00	$0.00	0.0%	14.3%	—
TikTok SAN	TT-9C-purchase-11/9-test (1851030776499857)	0	0	2	1	0	$0.00	$0.00	$0.00	0.0%	50.0%	—
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 Google 消耗占比最高（69.9%），放款量占比仅为（43.5%），CPA = $7.04，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 $6.42·目标$5.00·放款率8.4%

🎯 Campaign 预警 & 机会

⚠️劣质流量TIKTOKTT-9C-3/31-loan-test (1861178003155986)

📊 放款率 4.1% vs 大盘 8.4%

👉 📉 削减预算30-50%，检查受众授信资质

💼 渠道预算策略建议

🟢加大 Meta 投入 +25%

CPA $2.36 低于大盘63.0% | 花费占比10.0% / 放款占比28.0%

💡 日预算提高+25%（约+$30.13），优先放量

🏆整体ROI达标（5.1% ≥ 5.0%）

申请金额 $2,035，总花费 $1,188

💡 可适度扩大总预算10-15%，测试放量上限

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