Khalid Howladar, a former Moody's executive, transitioned into crypto investing after reading "The Bitcoin Standard" and investing in a DeFi startup. He now focuses on DeFi, blockchain, and Web 3.0 startups. Howladar discusses the potential of tokenization in Islamic finance, particularly in commodity-rich African and Gulf countries, to enhance transparency and accountability. He emphasizes the importance of self-custody wallets like Marhaba DeFi for control and security. Howladar argues that crypto, if regulated properly, can offer significant investment opportunities, especially for Gen Z. He advocates a cautious, balanced approach to crypto investing.