

Discord is not even necessarily Electron. I’m running it as Datcord, which is a Firefox based wrapper.
Discord has a searchble chat history, which is what sets it apart from IRC. Everything else can be emulated by modern IRC clients, such as emoji and embedded / unfurling images and link previews.
However imagine the chat history as if you had a bouncer that has 100% uptime and joined all possible chat channels from their creation, along with offering you search and buffer.
If not IRC, either Matrix or XMPP should be capable of this.
I’m fairly sure Discord’s popularity was due to aggressive marketing, likely during their venture capital funding rounds. Something which FOSS does not have.
Banking apps just buy into false security peddled by google. They are absolutely not necessary for security of an app, just like kernel level DRM & anti cheat is not necessary for video games.