Navigating PSPs for higher-risk digital goods – liquidity bottlenecks

We're in the process of scaling up our digital goods platform, dealing with volumes that place us firmly in the 'higher risk' category for many traditional PSPs. The usual suspects either flat-out decline or offer terms that cripple margins. We've explored some of the more niche, crypto-friendly options, but the consistent issue remains liquidity on the payout side, especially when moving substantial sums out of crypto and into fiat without triggering lengthy holds or excessive fees. It feels like a constant game of whack-a-mole, finding a provider that offers reasonable acquiring rates and reliable, timely payouts at scale.

Anyone have practical experience with PSPs that genuinely handle this duality well? Not just the onboarding and KYB, which is always a drag, but specifically the sustained operational flow for high-volume, higher-risk merchant accounts where payout reliability and cost-efficiency don't degrade over time. We're talking millions monthly, not hundreds of thousands.