When Brave Rewards is disabled we can still tip sites, YT and Twitch publishers, we won't see anything displayed under Summary and Tip section until we enable Rewards.
After enabling Rewards we can see tipping amount is redeemed from wallet and also we can see tipped sites displayed under Tip section.
welcome screen or Brave Rewards panelBrave Rewards switch Able to tip sites even when Brave Rewards is disabled

When Brave Rewards is disabled, user should not be able to tip sites/YT/Twitch publishers.
Always
Brave | 0.58.9 Chromium: 71.0.3578.53聽(Official Build)聽dev聽(64-bit)
-- | --
Revision | 599fb72e740eab9d10609f1ed28a2ad669f82c1a-refs/branch-heads/3578@{#669}
OS | Windows
@kjozwiak @LaurenWags @srirambv @btlechowski
@bradleyrichter @jenn-rhim - what is the expected behavior for the panel when Rewards is disabled?
Should it show the opt-in panel? if that's the case, we may need to adjust button text as we don't need to recreate the wallet at that point, just re-enable rewards.
When verifying this issue and the associated PR (https://github.com/brave/brave-core/pull/1034), we should also check this case:
To note, the above comment will be addressed in this PR ^ https://github.com/brave/brave-core/pull/1282 , not https://github.com/brave/brave-core/pull/1034 cc: @LaurenWags
Verified passed with
Brave | 0.60.26 Chromium: 72.0.3626.96聽(Official Build)聽beta(64-bit)
-- | --
Revision | 84098ee7ef8622a9defc2ef043cd8930b617b10e-refs/branch-heads/3626@{#836}
OS | Mac OS X

Verification passed on
Brave | 0.60.26 Chromium: 72.0.3626.96聽(Official Build)聽beta(64-bit)
-- | --
Revision | 84098ee7ef8622a9defc2ef043cd8930b617b10e-refs/branch-heads/3626@{#836}
OS | Linux

Verification passed on
Brave | 0.60.28 Chromium: 72.0.3626.96聽(Official Build)聽beta聽(64-bit)
-- | --
Revision | 84098ee7ef8622a9defc2ef043cd8930b617b10e-refs/branch-heads/3626@{#836}
OS | Windows 10

Most helpful comment
To note, the above comment will be addressed in this PR ^ https://github.com/brave/brave-core/pull/1282 , not https://github.com/brave/brave-core/pull/1034 cc: @LaurenWags