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Matrix is designed to support Instant Messaging, VoIP/WebRTC signalling and Internet of Things communication and allows cross-communication between those services. Meaning one person could be using IRC and another Slack for IMs, or one person could be using Skype and another Google Hangouts for videoconferencing. See More
DIscord is honestly run by children, who don't know or care about privacy and spy ware on your machine, They still haven't released any transparancy report or any helpful thngs. If you're needing a place to converse use skype as they do have privacy laws and have a much more higher upload limit of 300mb for free unlike Discord where you must pay $9.99 per month I believe for just 100mb. See More
Free account has no tangible restrictions. Premium account is just a way to say "thank you" to developers. And it works for all servers of Discord (not as in slack). And it can be purchased by a single person who wants. In contrast to Slask, where all active members of the server should be "premium". See More