I have 2 mobile applications with two users and the b4j application with another user (users created in cloudmqtt.com).
Is it possible to send messages from user to user? one to one, not one at all?
You are confusing the topic name and the MQTT user name. They are not related.
Each MQTT client can subscribe to any number of topics.
You can subscribe to a topic based on your user name. This will allow you to send messages to the "user name topic".