Short answer: There is no first-90-days payout cap yet - the cap amount is still an open decision and nothing in the payout code enforces one. What does apply today: any single withdrawal of $500 or more before your first completed payout, and any withdrawal of $5,000 or more at any time, is routed to a Vizno reviewer rather than sent straight out.
Who this cap applies to
This cap applies specifically to creators during the initial 90-day window following the activation of their first subscription offering. It is a one-time period - once you have passed the 90-day mark, the monthly cap no longer applies and your payouts are processed at full value. If you already have an established subscription and are adding a new tier or product, this cap does not reset.
What happens to earnings above the cap
Any subscription revenue that exceeds $5,000 in a single month during the 90-day window is not forfeited. Those funds are queued and released to you in later payout cycles after the restriction period has ended. You can track your queued balance in your creator dashboard under Payouts.
Why this cap exists
The cap is in place as a fraud and chargeback protection measure for new subscription launches. Subscription revenue can be reversed if readers dispute charges, and the 90-day window gives Vizno time to confirm that transactions are stable before releasing larger sums. After the window closes, your account moves to standard payout processing.