Yes, "get paid early" is a feature that US fintechs and banks offer, and have for years. So in the context of this subthread, it's all about ACH.
The feature is based on the predictable pattern of payroll direct deposits, and/or a pre-settlement view into the ACH transfers for the day. The latter sounds like what you are describing for BACS, but I don't know the UK details.
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Yes, "get paid early" is a feature that US fintechs and banks offer, and have for years. So in the context of this subthread, it's all about ACH.
The feature is based on the predictable pattern of payroll direct deposits, and/or a pre-settlement view into the ACH transfers for the day. The latter sounds like what you are describing for BACS, but I don't know the UK details.