9credit 日报 · 2026-07-20

01总体大盘 · Real-time Top Summary 截至 2026-07-20 06:59 | 花费含汇率系数

💰

今日总花费

$203.59

昨日同期 $268.15 -24.1%

📝

注册成本 CPA

$0.64

花费 $203.59 ÷ 注册 320

🏦

今日放款量

25

截至06时

💵

放款成本 CPL

$8.14

花费 $203.59 ÷ 放款 25

✅

审批通过率

19.0%

riskpass 68 ÷ apply 357

🎯

打款率

36.8%

放款 25 ÷ 审批通过 68

📈

放款/注册率

7.8%

放款 25 ÷ 注册 320

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 $114.34 | 昨日同期 $158.92 | 昨日全天 $1,516 -28.1% 环比

Meta/FB 今日 $18.28 | 昨日同期 $30.62 | 昨日全天 $239.43 -40.3% 环比

TikTok 今日 $70.97 | 昨日同期 $78.62 | 昨日全天 $636.84 -9.7% 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	175	117	123	23	11	$0.37	$45.52	1.6%	$114.34	$0.48	$7.67	$7.67	18.7%	100.0%
TikTok	103	81	95	20	10	$0.37	$35.01	1.8%	$70.96	$0.56	$5.78	$5.78	21.1%	100.0%
Organic	89	55	80	11	2	$0.03	$2.54	0.0%	$0.00	$0.00	$0.00	$0.00	13.8%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	64	44	36	8	1	$0.42	$15.29	1.8%	$18.28	$0.40	$25.69	$25.69	22.2%	100.0%
opay	23	20	20	5	1	$0.18	$3.62	0.0%	$0.00	$0.00	$0.00	$0.00	25.0%	100.0%
Untrusted Devices	4	3	3	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	33.3%	100.0%

04Campaign 细分下钻大盘平均CPA = $8.14；预警阈值 = $10.99（×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)	167	111	113	22	10	$74.30	$7.43	$7.43	1.8%	19.5%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	81	61	58	13	8	$36.98	$4.62	$4.62	2.5%	22.4%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	19	17	35	7	2	$15.19	$7.59	$7.59	0.9%	20.0%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	6	4	6	0	0	$10.09	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	3	3	2	0	0	$5.65	$0.00	$0.00	0.0%	0.0%	—
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%	—
Facebook Installs	Expired Attributions	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	1	3	1	1	$0.00	$0.00	$0.00	0.0%	33.3%	—

05占比分析

💰 花费占比

🏦 放款量占比

💡 当前 Google 消耗占比最高（56.2%），放款量占比仅为（44.0%），CPA = $10.39，请注意优化投放效率。

06智能优化建议引擎Campaign预警0条·扩量0条·渠道策略3条 | 大盘CPA $9.69·目标$5.00·放款率10.6%

🎯 Campaign 预警 & 机会

✅ 当前无异常Campaign

💼 渠道预算策略建议

🟢加大 TikTok 投入 +15%

CPA $7.10 低于大盘27.0% | 花费占比35.0% / 放款占比48.0%

💡 日预算提高+15%（约+$10.64），优先放量

🔴压缩 Meta 预算 -20%

CPA $18.28 高于大盘89.0% | 花费9.0% vs 放款5.0%

💡 削减约-$3.66/日，资源向TikTok倾斜

📊整体ROI 1.5% 低于目标 5.0%

申请金额 $101.99，总花费 $203.59

💡 优先放量高均单渠道/Campaign，提升资金转化比

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