With the rapid development of internet technology, large-scale real-time chat systems have become an essential tool for connecting users worldwide. These systems not only support the core functions of social communication but also serve as key platforms for business, education, and remote collaboration. However, the surge in user numbers and the explosive growth in message volume pose unprecedented technical challenges to real-time chat systems, including high concurrency processing, low latency communication, data consistency assurance, and system scalability. This study aims to explore and implement an efficient, stable, and scalable architecture for large-scale real-time chat systems and propose corresponding performance optimization strategies. The research employs literature review, system analysis, prototype design, and performance evaluation methods. It first analyzes the design limitations and performance bottlenecks of existing real-time chat systems. Based on this analysis, a microservices-based system design scheme is proposed, which enhances system performance and reliability through componentized services, message queues, load balancing, and caching mechanisms. In terms of performance optimization, this paper focuses on key technologies such as load balancing algorithms, asynchronous processing mechanisms of message queues, caching strategies, and data storage optimization. Experimental evaluations have confirmed the significant effects of the proposed scheme in handling high-concurrency requests, reducing system latency, and improving data throughput.