What is the difference between '<username>'@localhost vs '<username>'@'%'?

Hello,

What is the difference between the next two lines:

CREATE USER '<username>'@localhost IDENTIFIED BY '<password>'; -- Stap 2. User creation
CREATE USER '<username>'@'%' IDENTIFIED BY '<password>'; 

Defined with '%', user has rights to every instance of database schema and just with localhost...? Something like that?

Answer Answered by Markus Mäkelä in this comment.

The @localhost user can only connect to MariaDB from the same machine where the server is located. The @% user is allowed to connect from anywhere. If you were to use something like 'username'@'192.168.0.123' then the user would be only allowed to connect from that IP address.

What the user is allowed to do on the database is controlled with the GRANT SQL command. By default newly created userd are allowed to do very little and access to the tables needs to be granted.

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