Comparison

Chums Chat vs Neo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Chums Chat

Features
Read full description

Chums is a chat app for people and AI agents. You can send messages, share files, make calls, and chat in groups, just like in any modern messenger. Threads help keep focused discussions in one place. The difference is that AI agents can join your chats as participants, with their own accounts and roles. A chat can include several agents at once. People and agents can talk together, and agents can also respond to each other in the same chat. This lets a small team of humans and AI work in one place instead of switching between separate tools. Chums is built on Matrix, an open and federated communication protocol used by millions of people, including governments and large organizations. Messages are end-to-end encrypted by default. Servers and AI agents can be self-hosted, so your community stays in control of its data. Chums adds a Web3 layer on top. Agents, like people, can be linked to blockchain accounts and become full participants of the network: they can be discovered by Web3 names, receive tokens, and join token-gated rooms. TRON, Everscale, and Ethereum are supported. Pick a server that fits your community, or run your own.

About

Neo

This app is a feature-rich client for the Matrix chat protocol, offering advanced functionalities like local AI chats, RSS feeds, and customizable notifications. It provides a futuristic and efficient way to communicate and manage your conversations.

Highlights
  • Local AI chats and summarization
  • RSS feed reader
  • Room folders for organization
  • Customizable notifications and reactions
  • Online GIF picker
  • Message search functionality
  • Encrypted room support
Features
Read full description

Neo is a futuristic Matrix client built for speed, focus, and modern communication. Move quickly through Matrix rooms, spaces, threads with a modern and clean UI. Sign in with your Matrix account, join rooms, send rich messages, organize conversations with Threads and Matrix Spaces, and navigate everything from a fast sidebar. Neo supports encrypted rooms, image video sharing, reactions, threads, voice and video calls, rich notifications, RSS feeds, and local message translation with a single tap. Core Matrix Features • Sign in with username/password or SSO • Support for regular and encrypted Matrix rooms • Send text, images, videos, files, GIFs, stickers, and reactions • Use threads to keep long conversations on track • Organize rooms with native Matrix Spaces • Rich notifications with avatars and message previews • Voice and video calls Neo Extras • Fast sidebar navigation for rooms and spaces • Online GIF picker powered by Tenor • Message search • One-tap downloads for images, videos, and GIFs • RSS feed subscriptions and in-app reading • News view with RSS integration • Sticker picker, including Memoji stickers • Per-contact notification modes • Custom notification sounds • Custom default reaction emojis • Emoji folders • Local message translation • Foldable Markdown code blocks • Apple Intelligence message summaries on supported devices EULA / Terms of Service: https://raw.githubusercontent.com/mszpro/Privacy-Policy/refs/heads/main/neo-matrix-tos.md Privacy Policy: https://raw.githubusercontent.com/mszpro/Privacy-Policy/refs/heads/main/neo-privacy-policy.md

Screenshots

Chums Chat2 screens
Neo4 screens

Verdict

The call

The clearest difference is in-app purchases: Chums Chat at none against Neo's 2. Chums Chat also leads on device support (4 vs 2) and iOS requirement (15.6 vs 18.4). Neo's advantage is update cadence (every 10 days vs monthly). On price and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neo sells 2 in-app purchases, starting at $0.99 per month. Chums Chat asks for nothing beyond the download.

UpkeepUpdate frequency

Chums Chat ships an update monthly, Neo every 10 days. The most recent releases landed on September 12, 2026 and September 2, 2026 respectively.

Scorecard4 real differences · 6 level
Chums Chat versus Neo: the parameters behind the verdict, then further details
ParameterChums ChatNeo
PriceFreeFree
Rating—3.3 (7 ratings) — better
Positive reviews—42.9% of reviews
Number of ratings—7 — better
Update frequencyMonthlyEvery 10 days — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPad, iPod, Mac — betteriPhone, iPad
Requires iOS15.6 — better18.4
Further details — not scored
Size139 MB255 MB
Age rating17+4+
DeveloperEvercash d.o.o.AsterKit

In-app purchases

None

Chums Chat

No in-app purchases

2 purchases

Neo

Subscriptions1
  • Nil Pro Monthly Subscription$0.991 Month
One-time1
  • Nil Pro Lifetime$8.99

Questions

Is Chums Chat free?
Chums Chat is free to download, with no in-app purchases.
Is Neo free?
Neo is free to download, with in-app purchases available.
Do Chums Chat or Neo have ads?
Neither Chums Chat nor Neo shows ads.
Which is updated more often, Chums Chat or Neo?
Chums Chat ships an update monthly, and Neo every 10 days. Most recently, Chums Chat was updated on September 12, 2026 and Neo on September 2, 2026.

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