If I’m using Prisma in two services, same schema same db, what do I do if I don’t want to build a monorepo?

Assuming you mean the two services are in separate repos, have you considered making a third repo for both to use? Same idea as the monorepo, without the monorepo 😉

Do you have an example? Would I have to turn it into like an npm package in order to do crud operations with prisma client?

Yeah that's basically my thought - you'd have your package export your generated prisma client

Yup what Jonathan has said should work well 👍