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This is not something we would expect to implement in MQ.
For custom userid/password management, you have the option of
a) not storing any passwords in the Explorer configuration, and entering it each time
b) Using a channel exit that can obtain the password in any way it wants, and inserting that.
There are examples of channel exits to assist with authentication; if you know the APIs into your password provider, then you ought to be able to write such an exit (or get some services to write one for you).