What if you can’t log in for a bit? Well, your Aptitude continues to accumulate, and any “overflow” accumulated is stored by an NPC who will sell you that banked Aptitude, up to a daily limit. You can also purchase even more beyond the daily limit, but that will cost you. So you can catch up if you’re unable to log in for a little while or you can just enjoy the daily fruits of your login labor. (For a very generous definition of “labor” here.)
Source: Official Site