I-XM iyipulatifomu yokuhweba ethandwa kakhulu enikezela ngamathuluzi wezezimali ahlukahlukene abathengisi emhlabeni wonke. Ukuze uqale ukuhweba ku-XM, isinyathelo sokuqala esibalulekile ukubhalisela i-akhawunti bese ugcwalisa inqubo yokuqinisekisa. Lokhu kuqinisekisa ukuphepha kwe-akhawunti yakho futhi kuhambisana nezidingo zokulawula. Noma ngabe ungumhwebi omusha noma umtshalizimali onolwazi, ukuqonda ukuthi ungabhalisa futhi uqinisekise ukuthi i-akhawunti yakho ye-XM ibalulekile ukuze uthole isipiliyoni sokuhweba esibushelelezi nesivikelekile. Kulesi siqondisi, sizokuhamba ngenqubo yokubhalisa futhi siqinisekise i-akhawunti yakho ku-XM, igxathu negxathu.