How-to: You need two accounts, runner and runee (where you want coins)
Runee: Roll new character, skip tutorial, arrive to village, bont bother picking up quests or finishing em.
Runner: Take koss and random L20 hero, add runee to party and enter mission. Finish mission. *
Runee: when mission completes, zone to temple, take zquest and zone back to village.
Runner: zone back to village, pick runee, finish mission again *, zone back to village
Runee: when mission completes, zone to temple, get reward, stick it to storage (you get gold as reward, use it to activate storage). Delete character.
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This roundtrip of two mission completitions takes at most 5 minutes, averaging 5 zoins per minute. 24 hours for max bag.

* Mission can easily be completed in two minutes or less by splitting: flag heroes to enemy groups to take em out and just running oil to catapults. No consideration for bonus is needed.