iCloud has multiple sync indicators: drive, folders, and files.
Steps to use (A) macOS and iOS markdown editors for writing, (B) iCloud for syncing, and (C) Scrivener for structuring, text tidying, and compiling.
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Create a project in Mac Scrivener
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In Mac Scrivener, set up external folder sync, targeting a folder saved in iCloud
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Choose plain text, with md as the extension
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Disable the option to convert plain-text paragraph spacing
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On a Mac, create and edit files in the synced folder using Obsidian and / or Panda
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On an iOS device, create and edit files in the synced folder using Panda
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No need to initiate a sync between devices as iCloud syncs automatically and quickly
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Sync the external folder back to Mac Scrivener for compiling if needed
This has the added benefit of sidestepping Microsoft’s deprecated RTF specification—last updated in 2008; used by Scrivener.
Merx