There is no specific thing that makes iOS case insensitive. It is what it is. What they tell you is that you should not rely on case sensitivity (do not create files that differ only in case), and that you should not be sloppy using your case (do not create a "readme", but then read "Readme").
If you accept arbitrary file names from a user in iOS, and then plan to send them to iCloud, then you will need to request all the files that exist in iCloud and make sure that the conflict is case-insensitive (using [NSString caseInsensitiveCompare:] ). However, this should not increase much if you use exclusively iCloud.
source share