Remember Microsoft V-Chat? If you do you, and have the Cortona VRML plugin, you should recognise the Compass world below. V-Chat was one of the very first 3D chat clients. It hasn't been available for many years, and even if it were you'd be hard pressed to find a server where it's in use. Out of curiosity I had a peep at the file structure, figured it out and converted to VRML. Click in the image and navigate by dragging the mouse or using the cursor keys.
I did try it with Octaga, but it needs more work before everything functions as it should in that player.