About the default accounts
Each custom app created locally by FileMaker Pro initially contains two FileMaker file accounts: Admin and Guest.
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The Admin account permits access to everything in the app. By default, this account is assigned the Full Access privilege set. This account is fully editable. You can rename it, assign it a password, and make the account inactive. You can delete the Admin account, but the file will require at least one account with the Full Access privilege set unless you remove that privilege set completely.
By default, the Admin account has no password. Assign a password when you first begin working in FileMaker Pro. See Assign the Admin account a password.
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The Guest account allows users to access a file without supplying any account information. By default, this account is assigned the Read-Only Access privilege set, but you can assign the account any privilege.
Initially, the Guest account is inactive. You cannot delete the Guest account, change the Guest account name, or assign it a password.
Each custom app created directly in FileMaker Cloud initially contains these accounts: the app creator's account, the Admin Account, and the Guest account.
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The app creator's account is the Claris ID or external IdP account of the team manager who created the app and is assigned the Full Access privilege set. This account is fully editable and can be deleted, but there must be at least one Claris ID or external IdP account active in order to open an app hosted by FileMaker Cloud.
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The Admin account is like the Admin account in a locally created app, except that it's inactive while the app is hosted by FileMaker Cloud. When you download the app, the Admin account becomes active and can be used to open the app only when it isn't hosted by FileMaker Cloud.
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The Guest account is like the Guest account in a locally created app, except that it's inactive while the app is hosted by FileMaker Cloud. When you download the app, the Guest account can be made active and can be used to open the app only when it isn't hosted by FileMaker Cloud.
See "Creating a FileMaker Pro file" in FileMaker Pro Help.