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Platform](https://www.paloaltonetworks.com/ai-security/prisma-airs?ts=markdown) * [AI Gateway](https://www.paloaltonetworks.com/ai-security/ai-gateway?ts=markdown) * [AI Model Security](https://www.paloaltonetworks.com/ai-security/ai-model-security?ts=markdown) * [AI Red Teaming](https://www.paloaltonetworks.com/ai-security/ai-red-teaming?ts=markdown) * [AI Runtime Security](https://www.paloaltonetworks.com/ai-security/ai-runtime-security?ts=markdown) * [Agent Security](https://www.paloaltonetworks.com/ai-security/agent-security?ts=markdown) * [AI Posture Management](https://www.paloaltonetworks.com/prisma/cloud/ai-spm?ts=markdown) Secure GenAI Tools * [Prisma Browser](https://www.paloaltonetworks.com/sase/prisma-browser?ts=markdown) [![Network Security logo](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/logos/nav/strata-logo-nav.svg)](https://www.paloaltonetworks.com/network-security?ts=markdown) [Secure the Network](https://www.paloaltonetworks.com/network-security/next-generation-firewall?ts=markdown) * [Hardware Firewalls](https://www.paloaltonetworks.com/network-security/hardware-firewall-innovations?ts=markdown) * [Software Firewalls](https://www.paloaltonetworks.com/network-security/software-firewalls?ts=markdown) * [Strata Cloud Manager](https://www.paloaltonetworks.com/network-security/strata-cloud-manager?ts=markdown) * [OT / Industrial Security](https://www.paloaltonetworks.com/network-security/ot-security-solution?ts=markdown) * [Device \& IoT Security](https://www.paloaltonetworks.com/network-security/device-security?ts=markdown) * [5G Security](https://www.paloaltonetworks.com/network-security/5g-security?ts=markdown) * [Managed Firewalls - Azure](https://www.paloaltonetworks.com/network-security/cloud-ngfw-for-azure?ts=markdown) * [Managed Firewalls - AWS](https://www.paloaltonetworks.com/network-security/cloud-ngfw?ts=markdown) [Cloud-Delivered Security Services](https://www.paloaltonetworks.com/network-security/security-subscriptions?ts=markdown) * [Advanced Threat Prevention](https://www.paloaltonetworks.com/network-security/advanced-threat-prevention?ts=markdown) * [Advanced URL Filtering](https://www.paloaltonetworks.com/network-security/advanced-url-filtering?ts=markdown) * [Advanced WildFire](https://www.paloaltonetworks.com/network-security/advanced-wildfire?ts=markdown) * [Advanced DNS Security](https://www.paloaltonetworks.com/network-security/advanced-dns-security?ts=markdown) * [Advanced IP Defense](https://www.paloaltonetworks.com/network-security/advanced-ip-defense?ts=markdown) * [Quantum Safe Security](https://www.paloaltonetworks.com/network-security/quantum-safe-security?ts=markdown) * [Next-Gen Trust Security](https://www.paloaltonetworks.com/network-security/next-gen-trust-security?ts=markdown) [![SASE logo](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/logos/nav/prisma-sase-logo-nav.svg)](https://www.paloaltonetworks.com/sase?ts=markdown) [Secure Access (SASE)](https://www.paloaltonetworks.com/sase?ts=markdown) * [Prisma Access (ZTNA)](https://www.paloaltonetworks.com/sase/access?ts=markdown) * [SD-WAN](https://www.paloaltonetworks.com/sase/sd-wan?ts=markdown) * [Prisma Browser](https://www.paloaltonetworks.com/sase/prisma-browser?ts=markdown) * [SaaS Security](https://www.paloaltonetworks.com/sase/saas-security?ts=markdown) * [Enterprise DLP](https://www.paloaltonetworks.com/sase/enterprise-data-loss-prevention?ts=markdown) [![Security Operations logo](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/logos/nav/cortex-logo-nav.svg)](https://www.paloaltonetworks.com/cortex?ts=markdown) [Security Operations](https://www.paloaltonetworks.com/cortex?ts=markdown) * [AI-Driven SOC](https://www.paloaltonetworks.com/cortex/cortex-xsiam?ts=markdown) * [Extended Detection \& Response](https://www.paloaltonetworks.com/cortex/cortex-xdr?ts=markdown) * [Security Orchestration \& Automation](https://www.paloaltonetworks.com/cortex/cortex-xsoar?ts=markdown) * [Attack Surface Management](https://www.paloaltonetworks.com/cortex/cortex-xpanse?ts=markdown) * [Exposure Management](https://www.paloaltonetworks.com/cortex/exposure-management?ts=markdown) * [Email Security](https://www.paloaltonetworks.com/cortex/advanced-email-security?ts=markdown) * [Threat Intelligence Management](https://www.paloaltonetworks.com/cortex/threat-intel-management?ts=markdown) * [Agentic-first Automation](https://www.paloaltonetworks.com/cortex/agentix?ts=markdown) * [Identity Threat Detection and Response](https://www.paloaltonetworks.com/cortex/itdr?ts=markdown) [Endpoint Security](https://www.paloaltonetworks.com/cortex/endpoint-protection?ts=markdown) * [Endpoint Protection](https://www.paloaltonetworks.com/cortex/endpoint-protection?ts=markdown) * [Agentic Endpoint Security](https://www.paloaltonetworks.com/cortex/agentic-endpoint-security?ts=markdown) * [Ransomware Protection](https://www.paloaltonetworks.com/cortex/ransomware-protection?ts=markdown) * [Digital Forensics](https://www.paloaltonetworks.com/cortex/digital-forensics?ts=markdown) [Data Security](https://www.paloaltonetworks.com/cortex/data-security?ts=markdown) [![Cloud Security logo](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/logos/nav/cortex-cloud-logo-nav.svg)](https://www.paloaltonetworks.com/cortex/cloud?ts=markdown) [Application Security Overview](https://www.paloaltonetworks.com/cortex/cloud/application-security?ts=markdown) * [Application Security Posture Management](https://www.paloaltonetworks.com/cortex/cloud/application-security-posture-management?ts=markdown) * [Software Supply Chain Security](https://www.paloaltonetworks.com/cortex/cloud/software-supply-chain-security?ts=markdown) * [Infrastructure-as-Code (IaC) Security](https://www.paloaltonetworks.com/cortex/cloud/infrastructure-as-code-security?ts=markdown) * [Software Composition Analysis](https://www.paloaltonetworks.com/cortex/cloud/software-composition-analysis?ts=markdown) * [Secrets Security](https://www.paloaltonetworks.com/cortex/cloud/secrets-security?ts=markdown) * [Open Partner Ecosystem](https://www.paloaltonetworks.com/cortex/cloud/appsec-partner-ecosystem?ts=markdown) [Cloud Posture Security Overview](https://www.paloaltonetworks.com/cortex/cloud/cloud-posture-security?ts=markdown) * [Cloud Security Posture Management](https://www.paloaltonetworks.com/cortex/cloud/cloud-security-posture-management?ts=markdown) * [Cloud Infrastructure Entitlement Management](https://www.paloaltonetworks.com/cortex/cloud/cloud-infrastructure-entitlement-management?ts=markdown) * [Data Security Posture Management](https://www.paloaltonetworks.com/cortex/cloud/data-security-posture-management?ts=markdown) * [AI Security Posture Management](https://www.paloaltonetworks.com/cortex/cloud/ai-security-posture-management?ts=markdown) * [Vulnerability Management](https://www.paloaltonetworks.com/cortex/cloud/vulnerability-management?ts=markdown) * [Cloud Attack Surface Management](https://www.paloaltonetworks.com/cortex/cloud/attack-surface-management?ts=markdown) [Cloud Runtime Security Overview](https://www.paloaltonetworks.com/cortex/cloud/runtime-security?ts=markdown) * [Cloud Detection and Response](https://www.paloaltonetworks.com/cortex/cloud-detection-and-response?ts=markdown) * [Container \& Kubernetes Security](https://www.paloaltonetworks.com/cortex/cloud/kubernetes-and-container-security?ts=markdown) * [Cloud Workload Protection](https://www.paloaltonetworks.com/cortex/cloud/cloud-workload-protection?ts=markdown) * [API Security](https://www.paloaltonetworks.com/cortex/cloud/api-security?ts=markdown) * [Serverless Security](https://www.paloaltonetworks.com/cortex/cloud/serverless-security?ts=markdown) [![Observability NEW logo](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/cortex/xcor/cortex-xcor-logo-nav-2.svg)](https://www.paloaltonetworks.com/cortex/xcor?ts=markdown) Observability \& Remediation * [AI-Driven Observability](https://www.paloaltonetworks.com/cortex/xcor/ai-driven-observability?ts=markdown) * [Distributed Tracing](https://www.paloaltonetworks.com/cortex/xcor/distributed-tracing?ts=markdown) * [Log Management](https://www.paloaltonetworks.com/cortex/xcor/log-management?ts=markdown) * [Metrics Monitoring](https://www.paloaltonetworks.com/cortex/xcor/metrics-monitoring?ts=markdown) [![Identity Security logo](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/logos/nav/idira-logo-nav.svg)](https://www.paloaltonetworks.com/idira?ts=markdown) [Human Identities](https://www.paloaltonetworks.com/idira/human?ts=markdown) * [Modern PAM](https://www.paloaltonetworks.com/idira/human/privileged-access-management?ts=markdown) * [Identity and Access Management](https://www.paloaltonetworks.com/idira/human/identity-and-access-management?ts=markdown) * [Endpoint Privilege Manager](https://www.paloaltonetworks.com/idira/human/endpoint-privilege-manager?ts=markdown) * [Identity Governance](https://www.paloaltonetworks.com/idira/human/identity-governance?ts=markdown) * [Workforce Password Management](https://www.paloaltonetworks.com/idira/human/workforce-password-management?ts=markdown) * [Vendor Privileged Access](https://www.paloaltonetworks.com/idira/human/vendor-privileged-access?ts=markdown) [Machine Identities](https://www.paloaltonetworks.com/idira/machine?ts=markdown) * [Secrets Management](https://www.paloaltonetworks.com/idira/machine/secrets-management?ts=markdown) * [Unified Secrets Governance](https://www.paloaltonetworks.com/idira/machine/unified-secrets-governance?ts=markdown) * [Application Credentials Delivery](https://www.paloaltonetworks.com/idira/machine/application-credentials-delivery?ts=markdown) [Agentic Identities](https://www.paloaltonetworks.com/idira/agentic?ts=markdown) * Solutions Solutions By Use Case [![Drive AI Transformation icon](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/ai-page/teaser-block/teaser-icon-2.svg) Drive AI Transformation Scale enterprise AI adoption across employees, applications and agents with confidence and control](https://www.paloaltonetworks.com/ai-security?ts=markdown) [![Accelerate Cloud Transformation icon](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/icon-cortex.svg) Accelerate Cloud Transformation Build fast and innovate fearlessly with AI-driven protection from code to cloud](https://www.paloaltonetworks.com/cortex/cloud?ts=markdown) [![Secure AI Coding icon](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/logo-default-orange.svg) Secure AI Coding Let AI coding do more, with you in control. 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Attack?](https://www.paloaltonetworks.com/unit42/contact-unit42?ts=markdown) * [Demos and Trials](https://www.paloaltonetworks.com/get-started?ts=markdown) [Introducing Cortex XCOR: Observability, reimagined. Discover now.](https://www.paloaltonetworks.com/cortex/xcor?ts=markdown) [](https://www.paloaltonetworks.com/?ts=markdown) Search All * [Tech Docs](https://docs.paloaltonetworks.com/search) Close search modal ![Palo Alto Networks Logo](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/case-study/affirm-cortex-xcor-observability/affirm-logo.avif) # Affirm Scales 4X Load and Cuts Observability Costs with Cortex XCOR ## SUMMARY Affirm is one of the world's largest buy-now, pay-later platforms, serving nearly 80% of the U.S. e-commerce market across retailers like Amazon, Walmart and Target. Operating at this scale, platform availability is critical because downtime directly impacts revenue and brand trust. Partnering with Palo Alto Networks, Affirm deployed Cortex^®^ XCOR^™^ to replace unstable legacy monitoring. This decision empowered Affirm to seamlessly handle 4x infrastructure surges during Black Friday, achieve significant cost savings while ingesting higher telemetry volume and resolve performance issues in seconds. ## RESULTS ### 4x load capacity with zero disruption during peak Black Friday traffic. ### 3-month full platform migration with embedded engineer support. ### 91% data optimization rate eliminated low-value noise and improved data quality. THE GOAL ## Eliminating Outages and High Costs During Peak Shopping Load As a digital payments leader, Affirm requires continuous system reliability; outages immediately risk lost sales and damage merchant relationships. However, legacy observability tools frequently failed under heavy traffic spikes, leaving engineers blind during critical sales events like Black Friday. Detecting system destabilization often took hours and field type or limit conflicts caused issues with log ingestion, creating costly operational delays. At the same time, high telemetry volumes ingested low-value data noise, driving up storage costs while diluting data quality for internal developers. To protect revenue and maintain checkout performance across millions of consumers, Affirm needed an enterprise observability solution that could handle extreme traffic scale, unify metrics and logs and deliver real-time insights without failing during peak demand. THE SOLUTION ## Real-Time Telemetry and Scalability with Cortex XCOR Affirm selected Cortex XCOR from Palo Alto Networks to transform its cloud-native monitoring infrastructure. The engineering team embedded directly with Affirm to execute a smooth, three-month migration. During this transition, Affirm unified metrics and high-cardinality logs into a streamlined set of 55 dashboards on Cortex XCOR. By utilizing the solution's aggregation tier, Affirm achieved a 91% data optimization rate, eliminating low-value noise and improving data quality for developers. The transformation delivered immediate operational stability and financial efficiency. During Black Friday, Affirm saw significantly more traffic, requiring the team to scale up infrastructure by 4x. Cortex XCOR handled this scale --- and the increased telemetry that came with it --- with zero downtime. Affirm accelerated issue detection from hours to seconds while achieving significant cost savings despite sending higher overall data volumes. ## "We've moved massive volumes of metrics, logs, and traces to Cortex XCOR, and they've delivered an exceptional product in terms of system availability, scalability, and cost controls." \--- Arjun Nayak Staff Observability Engineer, Affirm ## share this story ![Share page by link](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/customersredesign/link-icon.svg) [![Share page on linkedin](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/customersredesign/linkedin-icon.svg)](https://www.linkedin.com/shareArticle/?url=https%3A//www.paloaltonetworks.com/customers/affirm-cortex-xcor-observability&title=Affirm%20Scales%204X%20Load%20and%20Cuts%20Observability%20Costs%20with%20Cortex%20XCOR) [![Share page on x](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/customersredesign/twitter-x-icon.svg)](https://www.x.com/share?text=Affirm%20Scales%204X%20Load%20and%20Cuts%20Observability%20Costs%20with%20Cortex%20XCOR&url=https%3A//www.paloaltonetworks.com/customers/affirm-cortex-xcor-observability) [![Share page on facebook](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/customersredesign/facebook-icon.svg)](https://www.facebook.com/share.php?u=https%3A//www.paloaltonetworks.com/customers/affirm-cortex-xcor-observability) \[![Share page by an email](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/customersredesign/email-icon.svg)\](mailto:?subject=Sharing A Case Study I just read\&body=I thought you'd be interested in this case study: Affirm Scales 4X Load and Cuts Observability Costs with Cortex XCOR at https://www.paloaltonetworks.com/customers/affirm-cortex-xcor-observability) *** ** * ** *** Light Mode Dark Mode ### CUSTOMER DETAILS ![Financial Services](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/case-study/affirm-cortex-xcor-observability/icon-financial-services.svg) ### Financial Services ![Location](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/case-study/icons/ico-green-country.svg) ### United States ![Employees](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/icon-library/cortex-icon-customer.png) ### 2,500 employees ![Website](https://www.paloaltonetworks.com/content/dam/pan/en_US/images/case-study/icons/ico-green-computer.svg) ### [www.affirm.com](https://www.affirm.com/) ### PRODUCTS \[![Cortex XCOR](https://www.paloaltonetworks.com/etc/clientlibs/clean/imgs/icon-cortex.svg) ### Cortex XCOR\](https://www.paloaltonetworks.com/cortex/xcor?ts=markdown) Oct 2026 ## Get started with Cortex XCOR. 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