I totally agree with you, having a front-end that acts as any other messaging app on-chain would be awesome for Hive, but I don't know if having a transaction with memo would be the best option.
Perhaps, a front-end resembling discord with channels for communities in which each channel is basically an empty community post (just the title and empty body, with special CustomJSON for the front-end to identify the post as a channel), and then the members of the community would reply there.
Maybe that way would eliminate the need for a transaction in communities, new users with little to no funds, would be able to interact with the messaging app without worrying about the HBD.
As for the private messages, maybe the transaction with encrypted memo would be the best option but the 0.001 HBD transaction have to be automatically send back to you in order to not waste any funds as little as they may be.
Would you agree?
I also agree with @xplosive , "Hive community should be on Hive" .
Hive have all the tools needed for building communities, maybe a DHF proposal would help building it, and if it's on mobile will be better.
I dont know the technical details so hard to answer your question. What you state makes sense and perhaps there is a way to do it without the HBD.
Of course, requiring everyone to have some liquid HBD is a use case for it. Just like people needs a bit of HP to operate on Hive, this would be another layer added.
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