Self-hosted team chat - decision review

Research passes of Oct 17-18 2026: 11 options (the recommended Matrix stack plus 10 alternatives) scored against the requirements (non-US jurisdiction, under $20/mo, macOS + iOS apps, E2EE, agent alerting and MCP). Shortlist picks copy to your clipboard.

1. The comparison (interactive)Recommended stack, all options with E2EE/agent filters, tools and MCP, the 7-step setup plan, the host ladder ordered biggest to smallest with the jurisdiction difference explained, clients and links, ruled-out list.

Internal working doc. Prices point-in-time Oct 2026; confirm at purchase. Nothing here is connected to the kaz repositories.