I tried to test something similar. Char A has two beacons in a settlement, Test A1 and Test A2. Both above 10k prestige. Beacon Test A1 is aligned with a guild, Test A2 is not.
I made a new character and joined the guild without touching either A1 or A2 (book is in the same settlement on a different chars beacon). The new character didn’t get any permissions in the guild. If the new character enters A1 (aligned with guild) no coins are generated. If the char then enters A2 (not aligned with guild), still no coins are generated. Is that correct?