Just looking a little closer at the early pay feature it claims...

Just looking a little closer at the early pay feature it claims to give the customer access to their pay 2 days in advance, again it's the the electronic payment forwarding that has enabled this to happen and it appears that some sort of agreement is made with the payment provider (employers).
'Faster access to funds is based on comparison to traditional banking policies and deposits of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to payers support of the feature and timing of payers funding. You'll be automatically enrolled into early pay after your first successful direct deposit into your Douugh spending jar ".
It's assumed that a large percentage of US citizens are still receiving their paychecks in the paper form, would be good to know what the numbers are. Is this the mystical 160m that gets quoted in the hype pieces ?