You can flash the Sonoff Zigbee Dongle-E to turn into a Thread antenna using OpenThread RCP. So you can run Matter over Thread. This dongle cost less than $30 on AliExpress.
I’ve connected my Nuki smart lock via this dongle. Though I’m preferring to use the MQTT over Thread implementation for this lock. Since it broadcasts more information over MQTT than with the Matter integration.
My Matter (and Zigbee, and Z-Wave) hub is a laptop I paid 300.00 for almost 10 years ago, when I wanted something cheap for the semi truck.
I run Home Assistant on it now. I have both a $40 zwave USB stick, and a similarly priced Zigbee stick.
The software for the hub comes with HA. Just install the matter server
Their zbt-1 dongle can do either zigbee or thread, but matter does not technically need anything else. Thread does, but not Matter. Install Matter Server addon and you can use any matter WiFi device.