When you search for “Andy Howard crypto,” the results can be confusing. That’s because there isn’t one singular, prominent figure with that name dominating the crypto space. Instead, the landscape features two distinct individuals—both named Andrew Howard—who represent fundamentally different philosophies within the digital asset industry.
One is a cybersecurity veteran focused on making crypto safer for institutions, while the other is a staunch Bitcoin evangelist advising family offices. Understanding their separate roles provides a fascinating look into the crypto world’s core philosophical divide.
Table of Contents
Andy Howard crypto
1. Andrew Howard: The Cybersecurity Pragmatist
This Andrew Howard is a seasoned security expert and the co-founder and CEO of Lockchain.ai. His entry into crypto wasn’t fueled by ideology but by necessity. He saw a critical problem that needed solving: the lack of transparency and real-time risk assessment for institutional investors.
After the dramatic collapse of centralized exchanges like FTX, a massive gap was exposed. Traditional financial firms had no way to independently verify the security or solvency of their crypto holdings in real-time. Lockchain.ai was created to fill this void.
His Philosophy: Howard’s approach is pragmatic and risk-focused. He believes the future of digital assets depends on building robust, compliant, and secure infrastructure. His work is not about promoting one cryptocurrency over another but about creating the tools necessary for the entire ecosystem to mature and be adopted by mainstream finance. He sees AI as a key tool for analyzing complex blockchain data and providing actionable insights for institutional clients.
Key Venture:
- Company: Lockchain.ai
- Role: Co-founder & CEO
- Mission: To provide AI-powered, real-time risk management and due diligence for institutional investors in the digital asset space.
2. Andrew Howard: The Bitcoin Evangelist
Andrew Howard, a former Reconnaissance Marine and founder of the consulting firm and simple, represents a completely different side of cryptocurrency. He is the Chief Business Officer (CBO) of JAN3, a company co-founded with legendary Bitcoin developer Jimmy Song. JAN3’s mission is to help nation-states and family offices adopt Bitcoin as a foundational financial asset.
His Philosophy: Howard is a Bitcoin maximalist. He sees Bitcoin not as a speculative investment but as a long-term store of value—a form of “digital gold” that is decentralized, scarce, and resistant to inflation. He believes that in a world of endless money printing and economic uncertainty, Bitcoin offers a superior, apolitical solution for wealth preservation. His work is focused on education and implementation, guiding clients on how to securely acquire, hold, and integrate Bitcoin into their portfolios.
Key Venture:
- Company: JAN3
- Role: Chief Business Officer
- Mission: To help nation-states and family offices transition to a Bitcoin-based financial system.
A Tale of Two Philosophies: Risk Management vs. Bitcoin Maximalism
While both men are influential, they are tackling different challenges. Their distinct approaches perfectly encapsulate the ongoing debate within the crypto industry.
- Andrew Howard (Lockchain.ai) – Key Beliefs:
- Crypto requires robust security and compliance to mature.
- Focus on institutional adoption through trust and transparency.
- Sees AI and data analytics as crucial for risk mitigation.
- Overlap – Shared Traits:
- Both are influential figures shaping institutional crypto adoption.
- Both provide essential services for high-net-worth individuals and firms.
- Both are veterans of their respective fields.
- Andrew Howard (JAN3) – Key Beliefs:
- Bitcoin is the only true decentralized asset.
- Focus on education and wealth preservation.
- Sees Bitcoin as a hedge against global economic instability.
The divergence in their views is not a sign of conflict but a reflection of the industry’s complexity. One is building the infrastructure to make digital assets safe, while the other is advocating for the ideological shift toward a new financial paradigm.
Why This Matters
For anyone looking to navigate the world of crypto, understanding these two perspectives is crucial.
- If you’re a builder or investor interested in the technical infrastructure and risk mitigation of digital assets, Andrew Howard of Lockchain.ai represents a vital and growing field.
- If you’re a long-term investor or a believer in the decentralization ethos, Andrew Howard of JAN3’s perspective offers a guide to the world of Bitcoin maximalism.
Ultimately, the confusion around “Andy Howard crypto” is a lesson in the richness and diversity of the industry itself. It’s not just about a single asset or a single viewpoint; it’s about a collection of passionate experts building, securing, and advocating for a wide range of futures.