Sure, I can help you create a simple tycoon game with a chat system in HTML using JavaScript. Here's an example of how you can structure the code:
Universio Coins Tycoon Game
Please note that this is a basic template, and you'll need to add more code to implement the actual game mechanics, character creation, worlds, chat system, earning coins, buying/selling items, etc. Additionally, you may need to explore suitable libraries or frameworks for implementing the desired 3D features.