On-ramp/off-ramp liquidity for smaller operations

Hey everyone, I'm trying to get a clearer picture on the operational hurdles for fintechs or merchants, especially smaller ones, when it comes to managing liquidity for stablecoin on-ramps and off-ramps. Beyond just the fees, what are the practical implications of needing to pre-fund accounts or hold significant reserves in various stablecoins like $USDT or $USDC to facilitate seamless customer transactions? How do others here, particularly those not backed by huge capital, manage this balance between offering smooth service and not having excessive capital tied up just for liquidity purposes?