FTP is a protocol used for uploading and downloading files.
Here is the breakdown of the url:
ftp://username:password@mysite.com
Where
ftp:// is the protocol
username:password combination is for authentication Mysite.com is the site you are
trying to reach.
NOTE:
If you type the url, with your own information, it will bring you into the folder
without prompts for authentication, because you are providing them on the url.