No, the qubes are not separate accounts. When you sign up for an individual account with Qube, you will only have one account/account number. You can then create “qubes” which act as “Sections” of your account. When you deposit money into Qube, your money will arrive in your “Cloud”. From there, you can transfer your money instantly into your qubes to spend.
Simply tap on a qube, then tap “open qube” before you spend. The transaction will only pull from that qube and will decline if there are not sufficient funds.
Joint accounts, when available, will include one account/account number with two separate cards in each user’s name. Members will be able to create shared and private qubes in their joint accounts.