We estimate that by 2025, Signal will require approximately $50 million dollars a year to operate—and this is very lean compared to other popular messaging apps that don’t respect your privacy.
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WhatsApp started is an XMPP client, but they use lots of proprietary extensions (doesn’t matter since they don’t federate). You can build very robust and scalable messengers with it if you want to.
The open source implementations are developed by like 1-2 guys in their spare time and they’re not far behind (and sometimes even ahead) other federated messengers which received tens of millions in venture capital funding.
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