9credit 日报 · 2026-07-20

01总体大盘 · Real-time Top Summary 截至 2026-07-20 16:59 | 花费含汇率系数

💰

今日总花费

$1,046

昨日同期 $1,669 -37.4%

📝

注册成本 CPA

$0.30

花费 $1,046 ÷ 注册 3.5K

🏦

今日放款量

248

截至16时

💵

放款成本 CPL

$4.22

花费 $1,046 ÷ 放款 248

✅

审批通过率

19.0%

riskpass 721 ÷ apply 3.8K

🎯

打款率

34.4%

放款 248 ÷ 审批通过 721

📈

放款/注册率

7.2%

放款 248 ÷ 注册 3.5K

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 $1,081 | 昨日全天 $1,519 -49.2% 环比

Meta/FB 今日 $160.71 | 昨日同期 $186.21 | 昨日全天 $240.85 -13.7% 环比

TikTok 今日 $335.16 | 昨日同期 $402.23 | 昨日全天 $636.84 -16.7% 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	1.7K	1.4K	1.5K	312	119	$0.94	$1,382	6.4%	$549.62	$0.37	$5.43	$5.43	21.2%	100.0%
TikTok	1.1K	918	999	173	56	$0.29	$291.75	0.0%	$335.15	$0.00	$0.00	$0.00	17.3%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	769	580	556	128	39	$0.70	$390.18	5.2%	$160.73	$0.29	$5.79	$5.79	23.0%	100.0%
Organic	651	444	580	80	25	$0.19	$107.49	0.0%	$0.00	$0.00	$0.00	$0.00	13.8%	100.0%
opay	154	126	166	24	7	$0.27	$44.87	0.0%	$0.00	$0.00	$0.00	$0.00	14.5%	100.0%
Untrusted Devices	19	16	21	4	2	$0.97	$20.44	0.0%	$0.00	$0.00	$0.00	$0.00	19.0%	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	1	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
Pangle	0	1	2	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 = $4.22；预警阈值 = $5.69（×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)	1.7K	1.3K	1.4K	297	107	$532.45	$4.98	$4.98	5.4%	21.4%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	67	46	48	10	10	$114.17	$11.42	$11.42	11.2%	20.8%	⚠️ CPA超标
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	546	479	561	101	33	$0.00	$0.00	$0.00	0.0%	18.0%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	458	379	372	64	21	$0.00	$0.00	$0.00	0.0%	17.2%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	79	57	56	6	1	$0.00	$0.00	$0.00	0.0%	10.7%	—
Google Organic Search	9credit loan app	2	0	1	0	0	$0.00	$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	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	1	6	2	0	$0.00	$0.00	$0.00	0.0%	33.3%	—
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	14	31	5	2	$0.00	$0.00	$0.00	0.0%	16.1%	—
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	1	1	$0.00	$0.00	$0.00	0.0%	100.0%	—
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（52.6%），放款量占比仅为（48.0%），CPA = $4.62，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 $5.97·目标$5.00·放款率7.6%

🎯 Campaign 预警 & 机会

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

📊 CPA $11.42 vs 大盘 $5.97，超出91.0%

👉 ✂️ 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 $4.12 低于大盘31.0% | 花费占比15.0% / 放款占比22.0%

💡 日预算提高+25%（约+$40.18），优先放量

🏆整体ROI达标（6.4% ≥ 5.0%）

申请金额 $2,236，总花费 $1,046

💡 可适度扩大总预算10-15%，测试放量上限

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