Each site in nats can post to out to any place you want - takes a little script magic of course, but is possible to make a script create/update a htpass file for you on each post that comes in from any biller.
However I highly recommend you go with mysql to auth.. for security, speed, duplicate user issues, and manual inserts that are never removed giving you 1000's of active members you can't remove and possible file corruption.
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