We needed 1:1 chat for a while. The way I implemented it it is actually group chat. You can have more than two people. The way it works at this stage is you can navigate to any user's page and then click start chat. That will take you to a start chat form to give you a chance to add additional people, then click start. I don't yet have the plumbing to notify the other user yet so you just share the link with them.
It works a bit like iMessage where the chat identifier is based on who is in the chat. So if you start another chat with the same people you will end up in the same room and have your past content. It also makes it easy to re-open a chat if you lose the link.
I need to add support for adding people and those kinds of things. That should be coming soon. I started and finished (to its current stage) making this yesterday.
Feature ideas are very appreciated if you can think of any. Also bug finds if you come across any.
Have fun!