Protocols don’t have an interface, but most XMPP clients these days look like WhatsApp or other similar modern apps. It’s all down to what you prefer.

What platform are you looking for?

Have you tried Snikket?

Chat channels in XMPP protocol are by design always organized into server/guilds/components. It’s up to hosters how they choose to manage this though and there is no discord-like UI except maybe the Prose app

The ability to have apps that meet specific needs is a strength of an open ecosystem, but I agree it can be harder to nagivate if you’re just searching for something as generic as ‘XMPP’ — the Snikket and Cheogram families of apps are working on unified branding for a set of apps that are designed to work together.