# Point

**Canonical:** https://apis.io/providers/point/  
**Website:** https://point.com/  
**APIs profiled:** 0

Point (Point Digital Finance, Inc.) is a San Francisco fintech founded in 2015 by Eddie Lim, Eoin Matthews, and Alex Rampell that gives homeowners access to their home equity without monthly payments or income requirements. Its flagship Home Equity Investment (HEI) provides lump sums up to $600,000 in exchange for a share of a home's future appreciation over a 30-year term, alongside a HELOC product offering lines up to $750,000. Point has served more than 25,000 homeowners and facilitated over $2 billion in home equity investments, and is backed by a16z, Bloomberg Beta, and Ribbit Capital. Point is a consumer-facing platform with no public developer API; this profile was surfaced as a VC-portfolio lead and enriched with the API Evangelist pipeline (identity + domain-security probe only — no API surface found).

## Kin Score — 8.1 / 100 (minimal)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 8.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Point Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Fintech, Home Equity, Mortgage, Lending, Real-Estate, Consumer Finance, HELOC

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/point/). Scores are computed from the provider's own public artifacts under a published rubric.