As far as I understand it can be somewhat federated using the matrix protocol? https://matrix.org/ecosystem/bridges/stoat/

Honest question, would something like stoat allow forum threads like in discord but being accessible through a classic forum style webpage through matrix protocol in order for it to beindexed by the wider web?

For real, isn’t this allowing them to have much more control over what you have in the bank? Preventing bank runs as they call it(aka blocking withdrawals)