There is no per player cap. It is merely a cap on the realm.
In each realm at a 1.25b banish all participating players split a pot of 100m coins and 40m credits where before the cap we split a pot of 125m coins and 60m credits. SO initially the first banish with the cap in places showed a 20% reduction in coins and credits for all players. But that will happen anyway in the next 30-60 days in most realms as more an more people power up and get their 6pc Lb sets all in place. SO the cap is pointless, becuase as more people power up and do more damage per round, teh total number of rounds it takes to complete a banish drops. SO you have less rounds to do damage.
SO if your needing 30 minutes to finish the 1.25b banish now, thats 26 or so rounds. Now to finish it in 15 minutes means 12 rounds. Which means you have over 50% fewer rounds to do damage. Yet with the glass ceiling we can not more then double our banish damage output per round to compensate for the fewer rounds, so as smaller players power up they will get more coins and credits while top players will start getting less and less.



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