Yes, you will need to report this money as income, even though you have not "cashed out" the money is in your account and available to you. It is similar to having a bank account. You have the money in the account, it is still your money. You do not have to do anything to earn it. You do not need to do anything other than withdraw it to get access to it.
Whether or not they give you a 1099, has no bearing on whether or not the income is taxable.
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