CTO and co-founder of Gusto here. This has actually been on our mind for many years now, and it's a problem we've seen that hurts paycheck to paycheck employees the most. We've recently taken a first step towards rethinking how payroll should be for a modern workforce, and launched a pilot for a new product called Flexible Pay (https://gusto.com/flexible-pay).

Flexible Pay enables employees to cash out unpaid earned wages, without any changes to how payroll runs. Happy to answer any questions about it. Also, if this is a space you're passionate about, we're actively hiring engineers for that team!