/a>Authenticating with User Credentials File</h1>
<p>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 <code>nsc</code> tool. The contents will look like the following and should be protected because