Wells Fargo and BofA are using it now in their online banking systems, but I haven't seen any advertising on the product. Not sure if all banks can use it, but it says you can 'add' a bank.
Looks like a great way to transfer funds safely from checking to checking similar to Pay Pal, but without the Pay Pal account hassle and the "looking over your shoulder" bullshit that Pay Pal does with adult sales. Fuck Pay Pal's attitude about adult material and closing accounts with money still in them! This p2p systems looks very simple and safe for all parties.
So you think we can use clearXchange for adult sales? There is no account, so you wouldn't need "permission" from the bank to use it. People are sending you money and in return, you process their membership access. The delay can be disclosed in the sign up page. Not good for cam sales, but for general site access where a delay might not kill the sale vs. getting sign up privacy, it might fly. Just set up the email to notify you on your phone, then race to your computer and process a membership manually. Might not sound good, but for us small fries that make only 3 or 4 sales a day, it could be gold. Plus, I think people will love the security of not giving out their credit card numbers in an online join page. No rebills....
but.... increased sales due to privacy. Kind of like offering Bitcoin sign ups, but without the coin.
It looks like it's been out for a few years, but I've never seen it before until I logged into my bank and saw it as a way to transfer money directly to an account, without disclosing to the other party any private info...and by sending money via email only.
Looks very interesting and promising.
http://money.cnn.com/2011/05/25/news/companies/banks_paypal_clearxchange/