GM, Hash Browns crew. The smallest piece of a Bitcoin is called a "satoshi," worth 0.00000001 BTC. So technically, everyone can afford some Bitcoin. Happy Monday.

On today's plate:

Prices as of 10am CT

What happened: Bitcoin spent the weekend hanging around $78,000, flatter than a pancake left out overnight.

What happened: On Nov. 1, Ripple, the company closely tied to the crypto XRP, released 1 billion XRP from escrow. Escrow is a locked account that holds money until a set date. The release was worth roughly $1.25 billion and happened right on schedule.

Why it matters: Years ago, Ripple locked up most of its XRP in escrow so it couldn't flood the market all at once. Now, a fresh 1 billion unlocks on the 1st of every month, and Ripple usually locks a big chunk back up for later. About 30 billion XRP is still in escrow.

Every month, some people worry the newly unlocked coins will push the price down. But this time the price barely budged, and the unlock is a routine, scheduled event.

What if Ripple did things differently? The unlock itself is built into the XRP blockchain on a timer, so Ripple can't simply skip a month. What Ripple does control is how much it locks back up afterward.

If Ripple kept the full 1 billion instead of re-locking some, more XRP could reach the market at once, which is exactly what the escrow was set up to prevent. If Ripple locked all of it back up, almost no new XRP would enter the market that month, but Ripple would have less to sell to fund its business.

Either way, supply is only half the story. A coin's price also depends on how many people want to buy it, which is why big unlocks don't always move the price.

An exchange-traded fund (ETF) is a fund you can buy through a regular brokerage account, the same way you'd buy a stock.

A Bitcoin ETF holds Bitcoin for you. You get the price ups and downs without setting up a crypto wallet or using a crypto exchange.

Think of it like buying a slice instead of baking the whole pie. Somebody else handles the oven, and you just get the slice.

Three of these are normal. One is a scam.

Answer at the bottom. No peeking.

When a crypto company gets hacked, scammers follow fast. Last month, wallet maker Keystone said a breach exposed customers' names, addresses and order details, which is exactly the kind of information scammers use to make fake emails look real.

The scam: an email or text says your account was in a breach and tells you to click a link to "secure" your wallet. The link leads to a fake site that asks for your recovery phrase or login.

How to avoid it: Don't click links in surprise security emails. Go straight to the company's official website instead, and never type your recovery phrase into any website.

Know someone who's crypto-curious? Send them your link below. When 5 friends sign up, we'll mail you a Hash Browns sticker.