To receive your cash advance instantly (i.e, under 10 minutes), you must connect the debit card associated with your linked bank account. This is for two important reasons:
Fast service. Instant cash cannot arrive under 10 minutes without being sent directly to a debit card. Otherwise, the advance is sent via ACH transfer, a bank-to-bank transfer that takes 2-3 business days to process.
Fraud protection. Together, your linked bank account and associated debit card help verify your identity and income.