We are planning to expand the amount of RAM capacity available in the medium term. Until then, you can still do application-side sharding.
You'd spin up multiple Typesense Cloud clusters and for eg: store UserIDs 1-10M in the first cluster, 10M-20M in the 2nd cluster and so on (to fill up each cluster).
On your application-side depending on the user-id, you'd connect to the appropriate cluster to fetch the data.