"Sphinx". That must be taken from the routing schema of BOLT4: https://cypherpunks.ca/~iang/pubs/Sphinx_Oakland09.pdf 
As far as I understand, the game changer is this: https://twitter.com/VLSProject. Stuff such as a Lightning signer seems necessary for the long term. Air-gapped lightning funds aren't possible with the current model.
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running in the cloud
Even if I haven't read a sentence yet, "running in the cloud" doesn't sound right for a Bitcoin wallet. Haven't we already accepted this? Cloud is just a bad word for this community. As far as I understand, the game changer is this: https://twitter.com/VLSProject. Stuff such as a Lightning signer seems necessary for the long term. Air-gapped lightning funds aren't possible with the current model.