, I'm a developer evangelist at Twilio. Our Programmable Chat API does cover public/private chats and with private chats you can control whether it is between two people or group.
It can integrate with any web framework, you'd need to create your users an access token on your Rails server which you would then use to authenticate our client side SDK.
For advanced use, Chat also has a bunch of roles and permissions you can use to control which users can take certain actions. And events in chat can send you webhooks too.
I'd love to answer any questions or concerns you have about it.
Thank you Phil
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