Ideas for XP usage gained after hitting level cap

Basically, at the moment, there are no post level cap XP usage and so once a character hits the cap, all the XP gained goes to waste. A system similar to paragon/D3 can be implemented but people might argue that it will break the game, making it too easy by adding too many passive buffs. So instead, I propose a different solution.

Once a character hits level cap, all XP gained will be put towards a different meter fills when cap level amount of XP is gained. This meter is account bound. Each time this meter is filled, the character receives a special shard. These shards can be used for crafting different legendaries and can also be used to craft a special key, which can open a new type of XP chest, which will spawn randomly or be present in the safehouse. This chest will offer randomized loot, even rare recipes and legendary items. Since the meter is equivalent to the level cap meter, it will essentially take some time before a shard is obtained, so the incentive can be adjusted based on this factor and it is up to the developer.

I personally feel like it's kinda sad that XP are wasted once the cap is reached and most players won't feel the need to participate in bounties or quests afterwards, essentially killing off some important areas of the game. A system to address this issue will be beneficial for all.

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Ideas for XP usage gained after hitting level cap