Turns out it's 24 hours time since the Caps are depleted. Came back today and my Enclave had 200 cap reset. The others were left at 1, 2, 3, 4, 5 caps to identify faction.

Buying from vendors return 1/4 caps

Max cap a vendor can have is 200, so you should Sell before you start Buying

Cap stash is character based, not world/server based

Good strategy is to sell bulked junk that you are not using all at the same time to all vendors to max out 1000-1200 caps, so you have a reference as to when you can do it again the next day.

Edit: I've collaborated with others to fill the list and stopped doing my own research.

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