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An account can be freely selected on any server according to your preferences, regardless of the telephone number. This server is called the home server in matrix jargon. Using identity servers, you can connect the account to a phone number or email address if you wish, so that you can be found more easily. The server "vector.im" is mainly used for this purpose, so that this server takes over a central function in the ecosystem of Matrix/Riot.

The central concept for chatting via Matrix/Riot are the "rooms". You can set up new "rooms" on your home server and start talking to yourself there. If you invite a second person into the room and this person accepts the invitation, you can chat, exchange files or make phone calls. If you invite more than one person to the "room", you have a group chat. Within the "room" you can assign rights to the members, who may administrate, who may invite new members, etc.
Thoughts about the security concept of Matrix/Riot

With Matrix/Riot the implementation of