What games are on Ultimate, Premium, and Essential for an Xcloud player without a console?

Trying to play fallout 76 through game pass on my phone without remotely connecting it to a console

Playing Xbox games on your phone via Microsoft xCloud

Microsoft xCloud allows you to play games off the cloud rather than connecting you to your console. In fact, you don't even need to own an Xbox console to play games on Microsoft xCloud. You will however need a Game Pass Ultimate subscription

Without a console, you'll essentially have access to the same number of games. You do get access to cloud gaming with Ultimate which may include some that are not already available on PC.

It depends on what Game Pass it is. If it's PS Game Pass or Game Pass Ultimate, you can use it on a PC without an Xbox.

Game Pass is essentially Netflix but for gaming. It gives you access to a library of games you can play without having to purchase them individually.

Gamepass does not come with xcloud

Gamepass ultimate does come with cloud but you don't need a console and not all titles are on xcloud

Currently it's not possible to play purchased games through xCloud. Game Pass Ultimate is required to use Xcloud.