WhatsApp iPhone syncs to iCloud unencrypted by default[1].
iMessage also syncs to iCloud unencrypted by default[2].
[1] Depends on you paying for iCloud storage, so that you have space for a full phone backup to occur.
[2] Might be "free" with "iMessage in iCloud", an option to enable separately.
> WhatsApp iPhone syncs to iCloud unencrypted by default[1].
Not true. You must choose to enable it or not when you set up new phone. On mine it does not back up