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I am not sure from which country does this question arises but you have 2 options here if you are serious about the idea of developing a chat app.
1. Partner with a Professional Developer
Yes, this can be an option to consider although it might be difficult to find a developer who has the same passion as you because most of them would be willing for a fixed monthly payment to make up for their daily needs.
2. Raise Capital
As you do not have a model for now what you can do is raise some money from friends and family to build an MVP of the product with the help of a development agency.
Once you have launched the MVP based on the user response you can then contact venture capitalists for further finance or you can start monetizing the app and pay back what you raised.
Easy.. Peasy..
The important thing to remember here is the best method to develop a chat assuming you are not from a technical background is to hire professional developers by making necessary arrangements of the finance.
For more chat app development information you can visit
https://www.webcluesinfotech.com/cost-to-develop-a-chat-app/
