<host> Host name. For example: example01. A DNS query is made for verification, and all addresses obtained are compared with the address of the customer.
The `default` user is chosen in cases when the username is not passed. The `default` user is also used for distributed query processing, if the configuration of the server or cluster doesn't specify the `user` and `password` (see the section on the [Distributed](../operations/table_engines/distributed.md) engine).
The user that is used for exchanging information between servers combined in a cluster must not have substantial restrictions or quotas – otherwise, distributed queries will fail.
The password is specified in clear text (not recommended) or in SHA-256. The hash isn't salted. In this regard, you should not consider these passwords as providing security against potential malicious attacks. Rather, they are necessary for protection from employees.
A list of networks is specified that access is allowed from. In this example, the list of networks for both users is loaded from a separate file (`/etc/metrika.xml`) containing the `networks` substitution. Here is a fragment of it:
You could define this list of networks directly in `users.xml`, or in a file in the `users.d` directory (for more information, see the section "[Configuration files](configuration_files.md#configuration_files)").
Next the user settings profile is specified (see the section "[Settings profiles](settings/settings_profiles.md)". You can specify the default profile, `default'`. The profile can have any name. You can specify the same profile for different users. The most important thing you can write in the settings profile is `readonly=1`, which ensures read-only access.
Then specify the quota to be used (see the section "[Quotas](quotas.md#quotas)"). You can specify the default quota: `default`. It is set in the config by default to only count resource usage, without restricting it. The quota can have any name. You can specify the same quota for different users – in this case, resource usage is calculated for each user individually.
In the optional `<allow_databases>` section, you can also specify a list of databases that the user can access. By default, all databases are available to the user. You can specify the `default` database. In this case, the user will receive access to the database by default.
In the optional `<allow_dictionaries>` section, you can also specify a list of dictionaries that the user can access. By default, all dictionaries are available to the user.
Access to the `system` database is always allowed (since this database is used for processing queries).
The user can get a list of all databases and tables in them by using `SHOW` queries or system tables, even if access to individual databases isn't allowed.
Database access is not related to the [readonly](settings/permissions_for_queries.md#settings_readonly) setting. You can't grant full access to one database and `readonly` access to another one.