Point Digital Finance

Point Digital Finance is a fintech company operating a home equity platform in the United States, headquartered in Palo Alto, California. Founded in 2014, it offers Home Equity Investment (HEI) and Home Equity Line of Credit (HELOC) products, providing homeowners with alternatives to traditional financing. The company has facilitated over $2 billion in home equity investments for more than 20,000 homeowners and executed the industry's first securitization backed entirely by HEI assets, achieving an A+ BBB rating.

With a team of more than 300 members and over $175 million in equity funding, Point processes sensitive financial data and homeowner personally identifiable information (PII). The security posture must address threats common to fintech platforms handling high-value transactions: credential stuffing, API abuse, account takeover, and data exfiltration targeting customer records and financial details. Protecting the integrity of appraisal data, property valuations, and payment processing systems is critical to maintaining trust and regulatory compliance.

The platform's operational scale - managing HEI contracts with appreciation-sharing terms and HELOC credit lines - demands robust access controls, encryption of data at rest and in transit, and monitoring of third-party integrations used in property assessment and lending workflows. Security engineering here means defending a digital surface that spans customer-facing portals, financial transaction pipelines, and the proprietary models underwriting home equity products against both opportunistic and targeted attacks.