Internal User Repository
If the Nirvana.directory.provider system property is set to com.pcbsys.foundation.security.auth.fSAGInternalUserRepositoryAdapter, then usernames will be looked up in a standard Software AG store called the 'Internal User Repository', which is a flat file maintained by the SAG command-line utility internaluserrepo.sh (found in INSTALLROOT/common/bin).
This mechanism is the default Directory, if the Nirvana.directory.provider property is not set.
The location of the file is given by the system property, Nirvana.auth.sagrepo.path, and would default to ./users.txt (relative to runtime directory of UM server), but the nserver.conf shipped with UM overrides this as ../users.txt, locating it in the same INSTALLROOT/nirvana/server/umserver directory as the licence.xml file. The nserver.conf file may of course be edited as usual to move the users.txt file into a location that is shared by all the realms of an installed UM instance.