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The database URL usually has the username and password as well.

For example: postgresql://[user[:password]@][netloc][:port][/dbname][?param1=value1&...]

For anything using libpq a .pgpase file can help separate creds in source/conf from now machine level ACLS.

*.pgpass

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No, its a URL. Connection strings have a different format, as clearly shown in the example in your link.