we wanted to get into bitcoin with kristin smith.s have been on the price of bitcoin and a lot of altcoins as well, whether that's driven on the federal reserve and inflation. what's dictating trade for you? >> the bitcoin etf, there's a lot of around that. grayscale had a report that forces the sec take this more seriously. we are hearing a lot of applicants are having productive conversations with the sec said there is a lot of hope that we will get it done. 2023 was not a great year for crypto and i think there is this sense the bad actors within the industry have been weeded out and what is left is to focus on the technology. so we see a lot of optimism around crypto returning to the technology of crypto, what it can do and how it can improve not only just finance but the way we interact on the internet. caroline: rather than talk about blockchain we talk about the trading of the assets. to go back to bitcoin, with etf are you having discussions with how quickly that could be enacted? how many days, months until you can get it to

nbc's kristin smith explains. >> reporter: robert tripp is a special agent in charge with the fbi sanield office trying to make sure people shopping for gifts during the holidays are aware of fraud schemes. >> they will receive spam e- mail that offers something that seems like an incredible deal. they will send money hoping to receive that gift and never receive it. >> the agency is trying to steal money and personal information and the advice to consumers is being diligent about unsolicited offers. >> through the spam e-mails and the unsolicited calls and text messages. if the consumer receives an unsolicited offer, do your due diligence and make sure it is a reputable offer. >> there are tips to avoid being victimized. beware of purchases or services that require payment with the gift card. use a credit card versus a debit card to make purchases. don't click suspicious links and be wary of online retailers offering significant discount prices. today we've caught up with union scared shoppers who are vigilant when it comes to their texts and e-mails. >> the one we get about the boss

smith gives us a look inside and shows us what it means for those families. >> we are super excited to get the finalization of everything being done. >> kristin has a new place to call home. >> for us, it is going to be a place to live long-term while my kids grow up, while i enjoy the city as it is the longest place i have ever lived anywhere in my life. >> the houses were built by habitat for humanity. >> eight san francisco families will become first-time homeowners. >> maureen is ceo of habitat for humanity greater san francisco and says they put in 500 hours of sweat equity volunteering to build the homes. >> we're able to provide our homeowners with a zero down, zero percent mortgage and cap it at 30%. >> for some families, it marks the end of impacts from displacement that began long ago. the demand is there. >> we had over 500 families apply for these 8 homes in san francisco to want to talk about need, right? and it's through a lottery. so we use a fair housing lottery. >> i think that this is really hard work. we got to take every win. and this is a huge win for the residents, for our office and for the city. >> hard work that is changing lives. >>