America’s largest player in online payments (with 237 million accounts), PayPal is harnessing its huge scale to increase access to financial services for underbanked populations—and boosting the economy as a result. Over the past five years, for example, the company has loaned more than $5 billion to 150,000 small businesses—especially those in regions that lost brick-and-mortar bank branches after the financial crisis—through its Working Capital offering, which lets borrowers pay back the money with a cut of their PayPal sales. It has also mobilized the generosity of its vast community, with $8.5 billion donated to charity by PayPal customers and merchants in 2017.