9credit 日报 · 2026-07-21

01总体大盘 · Real-time Top Summary 截至 2026-07-21 06:59 | 花费含汇率系数

💰

今日总花费

$60.10

昨日同期 $245.49 -75.5%

📝

注册成本 CPA

$0.17

花费 $60.10 ÷ 注册 350

🏦

今日放款量

15

截至06时

💵

放款成本 CPL

$4.01

花费 $60.10 ÷ 放款 15

✅

审批通过率

15.9%

riskpass 54 ÷ apply 339

🎯

打款率

27.8%

放款 15 ÷ 审批通过 54

📈

放款/注册率

4.3%

放款 15 ÷ 注册 350

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 $143.13 | 昨日全天 $549.63 -100.0% 环比

Meta/FB 今日 $14.10 | 昨日同期 $23.69 | 昨日全天 $227.86 -40.5% 环比

TikTok 今日 $46.01 | 昨日同期 $78.68 | 昨日全天 $487.31 -41.5% 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	168	133	124	21	10	$0.67	$82.83	2.6%	$94.15	$0.56	$9.41	$9.41	16.9%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	62	42	43	10	2	$0.21	$8.84	1.4%	$14.10	$0.31	$9.74	$9.74	23.3%	100.0%
TikTok	127	105	91	12	1	$0.04	$3.91	0.3%	$46.00	$0.32	$40.51	$40.51	13.2%	100.0%
Organic	84	46	56	10	1	$0.09	$5.22	0.0%	$0.00	$0.00	$0.00	$0.00	17.9%	100.0%
opay	30	21	23	1	1	$0.09	$2.03	0.0%	$0.00	$0.00	$0.00	$0.00	4.3%	100.0%
Untrusted Devices	4	3	2	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 = $4.01；预警阈值 = $5.41（×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)	154	124	115	18	7	$74.84	$10.69	$10.69	3.0%	15.7%	⚠️ CPA超标
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	109	87	64	10	1	$37.26	$37.26	$37.26	0.3%	15.6%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	14	8	8	3	3	$19.31	$6.44	$6.44	1.1%	37.5%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	14	14	22	2	0	$1.87	$0.00	$0.00	0.0%	9.1%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	4	3	3	0	0	$1.38	$0.00	$0.00	0.0%	0.0%	—
Facebook Installs	Expired Attributions	0	1	2	2	0	$0.00	$0.00	$0.00	0.0%	100.0%	—
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	1	0	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	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（76.5%），放款量占比仅为（6.7%），CPA = $46.00，请注意优化投放效率。

06智能优化建议引擎Campaign预警2条·扩量0条·渠道策略3条 | 大盘CPA $5.46·目标$5.00·放款率4.6%

🎯 Campaign 预警 & 机会

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

📊 CPA $10.69 vs 大盘 $5.46，超出96.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

💸CPA超标TIKTOKTT-9C-3/31-loan-test (1861178003155986)

📊 CPA $37.26 vs 大盘 $5.46，超出582.0%

👉 ✂️ 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 $46.00 高于大盘742.0% | 花费77.0% vs 放款9.0%

💡 削减约-$13.80/日，资源向Google倾斜

⚖️渠道集中度过高（TikTok 占77.0%）

单渠道依赖大，且CPA偏高 $46.00

💡 将10-15%预算分流其他渠道，降低集中风险

🏆整体ROI达标（5.1% ≥ 5.0%）

申请金额 $102.83，总花费 $60.10

💡 可适度扩大总预算10-15%，测试放量上限

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