Think of Unallocated Funds (formerly Cloud) as a big holding bucket for all money deposited into your Qube account. Direct deposits, ACH Transfers, Card Deposits, Third-Party app transfers, Peer-to-Peer Payments, etc... these will all be deposited into Unallocated Funds.
Instead of your money sitting in just one bucket like a traditional checking account, qubes allow you to divide up your money into many little buckets, which helps you plan and spend with intention. Your Unallocated Funds is your "Big Bucket" from which you fill up all your little buckets.
While in Unallocated Funds, your money is waiting to be assigned a purpose - waiting to be assigned to a qube! Your job is to give your money purpose by allocating it into your designated qubes. This can be done individually or in bulk, from the Allocation Screen. Until then, money cannot be spent.
The chart below shows the flow of your money from deposit to spending:
You can view details by visiting the Overview screen and tapping Unallocated Funds.
Now that you know how it all works, give those unallocated dollars a purpose!