In Magento 2.3 EE, if a customer has reward points balance it is automatically applied to cart when the cart page is loaded and customer goes to the checkout process.
I want to remove this functionality and provide customers the choice to use reward points in the checkout process. For this I have made the "Use reward points" section visible on the checkout page. Now I only need to stop the reward points getting applied automatically to quote.
I tried removing the observers one by one but cannot find where exactly the reward points are applied to quote.