9credit 日报 · 2026-07-20

01总体大盘 · Real-time Top Summary 截至 2026-07-20 14:59 | 花费含汇率系数

💰

今日总花费

$958.10

昨日同期 $1,367 -29.9%

📝

注册成本 CPA

$0.36

花费 $958.10 ÷ 注册 2.7K

🏦

今日放款量

183

截至14时

💵

放款成本 CPL

$5.24

花费 $958.10 ÷ 放款 183

✅

审批通过率

18.6%

riskpass 551 ÷ apply 3.0K

🎯

打款率

33.2%

放款 183 ÷ 审批通过 551

📈

放款/注册率

6.9%

放款 183 ÷ 注册 2.7K

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 $549.63 | 昨日同期 $882.36 | 昨日全天 $1,519 -37.7% 环比

Meta/FB 今日 $131.06 | 昨日同期 $157.43 | 昨日全天 $240.71 -16.8% 环比

TikTok 今日 $277.44 | 昨日同期 $326.99 | 昨日全天 $636.84 -15.2% 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	1.3K	1.0K	1.1K	226	87	$0.80	$899.81	4.2%	$549.62	$0.49	$7.43	$7.43	20.1%	100.0%
TikTok	852	728	801	136	42	$0.28	$227.24	0.0%	$277.42	$0.00	$0.00	$0.00	17.0%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	629	468	436	101	29	$0.61	$264.06	3.5%	$131.05	$0.36	$7.78	$7.78	23.2%	100.0%
Organic	495	338	450	66	17	$0.16	$72.19	0.0%	$0.00	$0.00	$0.00	$0.00	14.7%	100.0%
opay	116	95	136	19	7	$0.33	$44.87	0.0%	$0.00	$0.00	$0.00	$0.00	14.0%	100.0%
Untrusted Devices	14	11	15	3	1	$1.23	$18.41	0.0%	$0.00	$0.00	$0.00	$0.00	20.0%	100.0%
offical_website	2	0	0	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
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%
Pangle	0	1	1	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
TikTok for Business (Ad Spend)	0	0	0	0	0	$0.00	$0.00	0.0%	$273.55	$0.00	$0.00	$0.00	0.0%	0.0%

04Campaign 细分下钻大盘平均CPA = $5.24；预警阈值 = $7.07（×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)	1.3K	968	1.1K	215	77	$532.45	$6.91	$6.91	3.3%	20.4%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	52	38	39	7	8	$114.17	$14.27	$14.27	8.1%	17.9%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	497	437	482	83	26	$0.00	$0.00	$0.00	0.0%	17.2%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	288	239	262	47	15	$0.00	$0.00	$0.00	0.0%	17.9%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	67	49	48	5	1	$0.00	$0.00	$0.00	0.0%	10.4%	—
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	2	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%	—
Google Organic Search	renowned loan apps in nigeria	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	Nigeria-9c-2/5-approval (20969027993)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	9	25	4	2	$0.00	$0.00	$0.00	0.0%	16.0%	—
Off-Facebook Installs	Expired Attributions	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9c-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	3	4	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9c-4/23-loan-test (1863069733274801)	0	0	2	1	0	$0.00	$0.00	$0.00	0.0%	50.0%	—
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（57.4%），放款量占比仅为（47.5%），CPA = $6.32，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 $7.43·目标$5.00·放款率7.4%

🎯 Campaign 预警 & 机会

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

📊 CPA $14.27 vs 大盘 $7.43，超出92.0%

👉 ✂️ 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 $4.52 低于大盘39.0% | 花费占比14.0% / 放款占比22.0%

💡 日预算提高+25%（约+$32.76），优先放量

📊整体ROI 4.8% 低于目标 5.0%

申请金额 $1,527，总花费 $958.10

💡 优先放量高均单渠道/Campaign，提升资金转化比

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