Human body point clouds are a versatile representation for AI-enabled human sensing. However, existing methods using LiDAR, radar, and depth cameras suffer from inherent drawbacks in high cost, sparse reconstruction, and privacy concerns, etc. In this paper, we exploit low-cost thermal arrays and present TAP3D, the first system to reconstruct 3D human point clouds from body heat signatures, offering significant advantages in cost, density, human sensitivity, and privacy. To overcome major challenges in depth estimation, thermal interference, and multi-person separation, we propose a novel physics-informed design, which integrates a forward thermal physics model with two distinct modules: multi-primitive estimation for self-supervised joint recovery of depth and other thermal properties, and geometric perspective fusion for suppressing interference and disentangling multiple people. We implement TAP3D using a single commodity thermal array sensor and build a large-scale dataset (160K samples, 8 environments, 11 users) for evaluation. TAP3D achieves remarkable accuracy for dense point cloud generation, enabling downstream tasks like fall detection (91.46%), indoor tracking (21.86 cm MAE), and human mesh recovery (4.87 cm error). By transforming body heat into point clouds for the first time, TAP3D pioneers a new paradigm for privacy-first, fully passive human sensing for many applications. TAP3D is open-sourced at https://github.com/aiot-lab/TAP3D.

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