Neither Matrix nor XMPP are software, those are protocols. Alsp, there is no point in specifying that XMPP is encrypted without doing the same for Matrix, since you can exchange plain text messages there too.

As for the actual question, here you go: https://www.privacyguides.org/en/real-time-communication/#criteria

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A place to discuss privacy and freedom in the digital world.

Privacy has become a very important issue in modern society, with companies and governments constantly abusing their power, more and more people are waking up to the importance of digital privacy.

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