The thing that sucks and is stupid, in my opinion, about this whole thing; is that if you are trying to make it easier to make P2P payments between different banks with cXc, why would you allow the banks to call their payment system something completely different than what the other bank is calling it? SurePay, P2P, Quickpay, etc. ...
I'll post here what I posted in another thread what I found in the help section under my Wells Fargo SurePay faq/help section, under the "How do I receive money" section that I think clears up some understanding for everyone (hopefully):
When someone sends you money, you will be notified at the email address the sender used to send you money. If this email address has not yet been registered, you can update your existing contact information, or register the new email address. Your mobile number will not be eligible to receive transfers until it is registered with WF SurePay or clearXchange.
clearXchange is a network of banks that allows customers of other financial institutions to receive money with WF SurePay.
Customers of member banks can use their bank’s online banking to register, and customers of non-member banks can go to clearXchange to register. Current member banks in the clearXchange network are: Wells Fargo, Bank of America, Capital One, Chase, US Bank, FirstBank, Frost Bank, and TD Bank
So hopefully this just means that if you are signed up and able to send P2P payments between people who are in your own bank, then you are therefore good to go to send payments to other people at Wells Fargo, BoA, Capital One, Chase, US Bank, FirstBank, Frost Bank, and TD Bank.