If you've signed up for Cleo, she probably asked you to set up a Wallet. Loads of people do and then forget they did
If you're not sure if you've signed up for a Wallet, say “wallet” to Cleo in chat.
If you have a Wallet, Cleo will show you your Wallet balance along with options to manage it. If you don't have a Wallet yet, Cleo will ask you if you want to sign up for a Wallet.