Right, but it's talking about "Get paid early" - and in the context of this particular post that's a specific Monzo feature that has absolutely nothing to do with ACH.
Do US fintechs offer something similar? Perhaps, but I bet it works pretty differently to BACS where the bank already knows about the money transfer.
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.
