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For those like me who aren’t used to the term federated...

“Federated architecture (FA) is a pattern in enterprise architecture that allows interoperability and information sharing between semi-autonomous de-centrally organized lines of business (LOBs), information technology systems and applications.“

—Wikipedia

For those who want to know why it's not federated: https://signal.org/blog/the-ecosystem-is-moving/

For those who want to know why it still should be federated: https://gultsch.de/objection.html

riot/matrix is substantially worse in usability than Signal.

In addition, if you wanted something federated with decent crypto, an xmpp server with something as basic as TLS and OTR on the server and clients would be far more usable than matrix.

These people really need to come up with better Googleable names.