Msgmate.io is an AI chat tool that offers an enhanced and customizable chat experience with GPT-3 capabilities. It allows users to interact with generated images, ask general questions, make reminders, and more. The tool is still in alpha stage, and it offers a configurable API for custom actions. The platform provides fast and accessible messaging, and it is easy to use and integrate with apps. Users can purchase API tokens to cover ongoing server costs and access the platform’s services, which are priced similarly to OpenAI’s API.