# Authenticating with User Credentials File The 2.0 version of NATS server introduced the idea of JWT-based authentication. Clients interact with this new scheme using a user JWT and the private key from an NKey pair. To help make connecting with a JWT easier, the client libraries support the concept of a credentials file. This file contains both the private key and the JWT and can be generated with the `nsc` tool. The contents will look like the following and should be protected because it contains a private key. This creds file is unused and only for example purposes. ```ascii -----BEGIN NATS USER JWT----- eyJ0eXAiOiJqd3QiLCJhbGciOiJlZDI1NTE5In0.eyJqdGkiOiJUVlNNTEtTWkJBN01VWDNYQUxNUVQzTjRISUw1UkZGQU9YNUtaUFhEU0oyWlAzNkVMNVJBIiwiaWF0IjoxNTU4MDQ1NTYyLCJpc3MiOiJBQlZTQk0zVTQ1REdZRVVFQ0tYUVM3QkVOSFdHN0tGUVVEUlRFSEFKQVNPUlBWV0JaNEhPSUtDSCIsIm5hbWUiOiJvbWVnYSIsInN1YiI6IlVEWEIyVk1MWFBBU0FKN1pEVEtZTlE3UU9DRldTR0I0Rk9NWVFRMjVIUVdTQUY3WlFKRUJTUVNXIiwidHlwZSI6InVzZXIiLCJuYXRzIjp7InB1YiI6e30sInN1YiI6e319fQ.6TQ2ilCDb6m2ZDiJuj_D_OePGXFyN3Ap2DEm3ipcU5AhrWrNvneJryWrpgi_yuVWKo1UoD5s8bxlmwypWVGFAA ------END NATS USER JWT------ ************************* IMPORTANT ************************* NKEY Seed printed below can be used to sign and prove identity. NKEYs are sensitive and should be treated as secrets. -----BEGIN USER NKEY SEED----- SUAOY5JZ2WJKVR4UO2KJ2P3SW6FZFNWEOIMAXF4WZEUNVQXXUOKGM55CYE ------END USER NKEY SEED------ ************************************************************* ``` Given a creds file, a client can authenticate as a specific user belonging to a specific account: !INCLUDE "../../_examples/connect_creds.html"