diff --git a/examples/delegated/generate.sh b/examples/delegated/generate.sh
old mode 100644
new mode 100755
diff --git a/examples/dynamic_accounts/README.md b/examples/dynamic_accounts/README.md
new file mode 100644
index 0000000..623db76
--- /dev/null
+++ b/examples/dynamic_accounts/README.md
@@ -0,0 +1,31 @@
+## Dynamic Accounts (Proof of Concept)
+
+Using a NATS resolver it is possible to create accounts on the fly to place
+users. This has an interesting niche use-case. All of it can be accomplished via
+a callout, so long as the callout can create an account, deploy it, and create
+the user within the authentication window.
+
+Worse that could happen is the first connection could fail, but eventually the
+server would be aware of the account, and the connection would proceed.
+
+And a [Go program](dynamic.go) that uses the library and the results of the
+above script to run a service. And a client [Go Program](client/client.go)
+
+To run, execute the script, and then
+
+```bash
+# the script will put things in /tmp/DA
+nats-server -c /tmp/DA/server.conf
+
+# in another terminal run the callout service:
+go run dynamic.go -operator-key /tmp/DA/operator.nk -sys /tmp/DA/sys.creds -callout-issuer /tmp/DA/C.nk -creds /tmp/DA/service.creds
+
+# in another terminal try the callout with the client program:
+cd client
+go run client.go -account-name B -creds /tmp/DA/sentinel.creds
+
+{"server":{"name":"ND4SGVPVMOHYB3BISPYKWE3RUSILPCAFBV74AEFYFJBRWSXPN6FGKSGG","host":"0.0.0.0","id":"ND4SGVPVMOHYB3BISPYKWE3RUSILPCAFBV74AEFYFJBRWSXPN6FGKSGG","ver":"2.11.0-dev","jetstream":false,"flags":0,"seq":127,"time":"2025-02-04T20:30:09.615143Z"},"data":{"user":"B","account":"AADWDO5UGBLQT2MBC4NCUUHE34TG6KED47OHCPWWXTRHCFOKXGWTRO4F"}}
+# but work for anything else
+nats -s localhost:4222 --creds /tmp/DA/sentinel.creds pub hello hi
+13:03:13 Published 2 bytes to "hello"
+```
diff --git a/examples/dynamic_accounts/client/client.go b/examples/dynamic_accounts/client/client.go
new file mode 100644
index 0000000..8dff606
--- /dev/null
+++ b/examples/dynamic_accounts/client/client.go
@@ -0,0 +1,46 @@
+package main
+
+import (
+	"errors"
+	"flag"
+	"fmt"
+	"time"
+
+	"github.com/nats-io/nats.go"
+)
+
+func getConnectionOptions(fp string) ([]nats.Option, error) {
+	if fp == "" {
+		return nil, errors.New("creds file required")
+	}
+	return []nats.Option{nats.UserCredentials(fp)}, nil
+}
+
+func main() {
+	// load the creds, and keys
+	var credsFp, accountName string
+	// sentinel creds
+	flag.StringVar(&credsFp, "creds", "./sentinel.creds", "creds file for the client")
+	// the account the user wants to be placed in
+	flag.StringVar(&accountName, "account-name", "", "account name")
+	flag.Parse()
+
+	// connect
+	opts, err := getConnectionOptions(credsFp)
+	opts = append(opts, nats.Token(accountName))
+	if err != nil {
+		panic(err)
+	}
+	nc, err := nats.Connect("nats://localhost:4222", opts...)
+	if err != nil {
+		panic(err)
+	}
+	defer nc.Close()
+
+	// find out where we got placed
+	r, err := nc.Request("$SYS.REQ.USER.INFO", nil, time.Second*2)
+	if err != nil {
+		panic(err)
+	}
+	fmt.Println(string(r.Data))
+}
diff --git a/examples/dynamic_accounts/dynamic.go b/examples/dynamic_accounts/dynamic.go
new file mode 100644
index 0000000..3b5f30d
--- /dev/null
+++ b/examples/dynamic_accounts/dynamic.go
@@ -0,0 +1,203 @@
+package main
+
+import (
+	"bytes"
+	"encoding/json"
+	"errors"
+	"flag"
+	"fmt"
+	"os"
+	"os/signal"
+	"strings"
+	"syscall"
+	"time"
+
+	"github.com/aricart/callout.go"
+	"github.com/nats-io/jwt/v2"
+	"github.com/nats-io/nats.go"
+	"github.com/nats-io/nkeys"
+)
+
+func loadAndParseKeys(fp string, kind byte) (nkeys.KeyPair, error) {
+	if fp == "" {
+		return nil, errors.New("key file required")
+	}
+	seed, err := os.ReadFile(fp)
+	if err != nil {
+		return nil, fmt.Errorf("error reading key file: %w", err)
+	}
+	if !bytes.HasPrefix(seed, []byte{'S', kind}) {
+		return nil, fmt.Errorf("key must be a private key")
+	}
+	kp, err := nkeys.FromSeed(seed)
+	if err != nil {
+		return nil, fmt.Errorf("error parsing key: %w", err)
+	}
+	return kp, nil
+}
+
+func getConnectionOptions(fp string) ([]nats.Option, error) {
+	if fp == "" {
+		return nil, errors.New("creds file required")
+	}
+	return []nats.Option{nats.UserCredentials(fp)}, nil
+}
+
+func UpdateAccount(nc *nats.Conn, token string) (*ResolverUpdateResponse, error) {
+	var r ResolverUpdateResponse
+	m, err := nc.Request("$SYS.REQ.CLAIMS.UPDATE", []byte(token), time.Second*2)
+	if err != nil {
+		return nil, err
+	}
+	err = json.Unmarshal(m.Data, &r)
+	if err != nil {
+		return nil, err
+	}
+	return &r, nil
+}
+
+type UpdateData struct {
+	Account string `json:"account"`
+	Code    int    `json:"code"`
+	Message string `json:"message"`
+}
+
+type ResolverResponse struct {
+	Error  *ErrorDetails `json:"error,omitempty"`
+	Server ServerDetails `json:"server"`
+}
+
+type ServerDetails struct {
+	Name      string    `json:"name"`
+	Host      string    `json:"host"`
+	ID        string    `json:"id"`
+	Version   string    `json:"ver"`
+	Jetstream bool      `json:"jetstream"`
+	Flags     int       `json:"flags"`
+	Sequence  int       `json:"seq"`
+	Time      time.Time `json:"time"`
+}
+
+type ErrorDetails struct {
+	Account     string `json:"account"`
+	Code        int    `json:"code"`
+	Description string `json:"description"`
+}
+
+type ResolverUpdateResponse struct {
+	ResolverResponse
+	UpdateData UpdateData `json:"data"`
+}
+
+func main() {
+	// load the creds, and keys
+	var credsFp, sysCreds, calloutKeyFp, operatorKeyFp string
+	flag.StringVar(&credsFp, "creds", "./service.creds", "creds file for the service")
+	flag.StringVar(&sysCreds, "sys", "./sys.creds", "system creds")
+	flag.StringVar(&calloutKeyFp, "callout-issuer", "./C.nk", "key for signing callout responses")
+	flag.StringVar(&operatorKeyFp, "operator-key", "./operator.nk", "key for creating accounts")
+	flag.Parse()
+
+	okp, err := loadAndParseKeys(operatorKeyFp, 'O')
+	if err != nil {
+		panic(err)
+	}
+
+	sysOpts, err := getConnectionOptions(sysCreds)
+	if err != nil {
+		panic(err)
+	}
+	sys, err := nats.Connect("nats://localhost:4222", sysOpts...)
+	if err != nil {
+		panic(err)
+	}
+
+	_, _ = sys.Subscribe("$SYS.REQ.ACCOUNT.*.CLAIMS.LOOKUP", func(m *nats.Msg) {
+		chunks := strings.Split(m.Subject, ".")
+		id := chunks[3]
+		fmt.Println(id)
+	})
+
+	// this creates a new account named as specified returning
+	// the key used to sign users
+	createAccount := func(name string) (nkeys.KeyPair, error) {
+		kp, err := nkeys.CreateAccount()
+		if err != nil {
+			return nil, err
+		}
+		pk, err := kp.PublicKey()
+		if err != nil {
+			return nil, err
+		}
+		ac := jwt.NewAccountClaims(pk)
+		ac.Name = name
+		token, err := ac.Encode(okp)
+		if err != nil {
+			return nil, err
+		}
+		r, err := UpdateAccount(sys, token)
+		if err != nil {
+			return nil, err
+		}
+		// verify that the update worked
+		if r.UpdateData.Code != 200 {
+			return nil, fmt.Errorf("error creating account: %s", r.Error.Description)
+		}
+		return kp, nil
+	}
+
+	// keep a map of account names to keys - this would likely need to be more
+	// sophisticated, and be persistent. Likely some sort of cleanup logic would
+	// have to be added to delete (set connections to 0) and possibly remove from
+	// resolver once accounts are vacated - this is an exercise for the reader.
+	accounts := make(map[string]nkeys.KeyPair)
+
+	// load the callout key
+	cKP, err := loadAndParseKeys(calloutKeyFp, 'A')
+	if err != nil {
+		panic(fmt.Errorf("error loading callout issuer: %w", err))
+	}
+
+	// the authorizer function
+	authorizer := func(req *jwt.AuthorizationRequest) (string, error) {
+		// reading the account name from the token, likely this will be
+		// encoded string with more information
+		accountName := req.ConnectOptions.Token
+		if accountName == "" {
+			// fail
+			return "", errors.New("no account name")
+		}
+		// see if we have this account
+		akp, ok := accounts[accountName]
+		if !ok {
+			// create it and push it
+			akp, err = createAccount(accountName)
+			if err != nil {
+				return "", err
+			}
+			accounts[accountName] = akp
+		}
+		// issue the user
+		uc := jwt.NewUserClaims(req.UserNkey)
+		return uc.Encode(akp)
+	}
+
+	// connect the service with the creds
+	opts, err := getConnectionOptions(credsFp)
+	if err != nil {
+		panic(fmt.Errorf("error loading creds: %w", err))
+	}
+	nc, err := nats.Connect("nats://localhost:4222", opts...)
+	if err != nil {
+		panic(fmt.Errorf("error connecting: %w", err))
+	}
+	defer nc.Close()
+
+	// start the service
+	_, err = callout.NewAuthorizationService(nc, callout.Authorizer(authorizer), callout.ResponseSignerKey(cKP))
+
+	// don't exit until sigterm
+	quit := make(chan os.Signal, 1)
+	signal.Notify(quit, os.Interrupt, syscall.SIGTERM)
+	<-quit
+}
diff --git a/examples/dynamic_accounts/generate.sh b/examples/dynamic_accounts/generate.sh
new file mode 100755
index 0000000..9073868
--- /dev/null
+++ b/examples/dynamic_accounts/generate.sh
@@ -0,0 +1,48 @@
+#!/usr/bin/env bash
+set -x
+
+# put the nsc artifacts where we can find them
+export TMPDIR=/tmp
+export OUTDIR=$TMPDIR/DA
+export XDG_CONFIG_HOME=$OUTDIR/config
+export XDG_DATA_HOME=$OUTDIR/data
+
+
+# add an operator
+nsc add operator O
+#nsc edit operator --account-jwt-server-url nats://localhost:4222
+nsc export keys --operator --dir $OUTDIR
+OPERATOR=$(nsc describe operator --json | jq .sub -r)
+mv "$OUTDIR/$OPERATOR.nk" $OUTDIR/operator.nk
+
+# add and register the system account
+nsc add account SYS
+nsc edit operator --system-account SYS
+nsc add user --account SYS --name sys
+nsc generate creds --account SYS --name sys -o $OUTDIR/sys.creds
+
+# add the callout account
+nsc add account C
+# capture the ID (subject) for the callout account
+CALLOUT=$(nsc describe account C --json | jq .sub -r)
+cp "$XDG_DATA_HOME/nats/nsc/keys/keys/A/${CALLOUT:1:2}/${CALLOUT}.nk" $OUTDIR/C.nk
+# add the service user, this user is for the callout service to connect to NATS
+nsc add user service
+SERVICE=$(nsc describe user service --json | jq .sub -r)
+# add the sentinel users (no permissions) this is a callout user that will be given
+# to all clients to authorize via the callout
+nsc add user --account C --name sentinel --deny-pubsub \>
+# the callout account needs to specify the ID of the service user, and the accounts
+# that it can generate authorizations for
+nsc edit authcallout --account C --auth-user $SERVICE --allowed-account "*"
+
+# make a server configuration file
+nsc generate config --nats-resolver --config-file /tmp/DA/server.conf
+# extract the creds for the service and callout so we can use them
+nsc generate creds --account C --name service -o $OUTDIR/service.creds
+nsc generate creds --account C --name sentinel -o $OUTDIR/sentinel.creds
+
+mkdir -p $OUTDIR/jwt
+nsc describe account C --raw > "$OUTDIR/jwt/$CALLOUT.jwt"
+
+