Chat on Fediverse

Do you think Fediverse will ever have a chat program like IRC or Discord. I now there is Matrix but that is just user to user. Back in the day with IRC you had to connect to a server that is familiar with fediverse. Problems back then was netsplits when a connection goes down and the servers are isolated from each other. Things have advanced since then so maybe that will happen less. Features that we could have is channels/servers for groups of people to congregate, with subgroupings. Have a private messaging function, block users, and image support.