I wonder why haven't found any discussion on this topic: why there is no password masking in "Synchronize active database with a file/URL" action in triggers, which is accessible without opening any database?
See this post. You can use field references to pass credentials in triggers.
You must have a database open to pass field references. If you don't want to do that you can use a secondary dedicated database in a semi-automated configuration using the KeeAutoExec plugin.
This solution wasn't obvious :)
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