AFAIK, the transactions aren't happening onchain until you withdraw to an external wallet. So you don't have to worry about UTXO management for something like daily purchases.

Waiting until you hit certain thresholds (1M sats, 5M sats, etc) before withdrawing consolidates all those days of purchasing into one UTXO.

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oh, I see - yes, that's true - when you take your btc off of an exchange after daily purchases, that transaction will effectively consolidate your utxos