code: function wrapOpts(opts = {}, _url) {
      const url = _url || opts.url || '';
  
      if (opts.withCredentials === undefined) {
          // Send credentials only to relative and API Backend requests
          if (!/^https?:\/\//i.test(url) || url.indexOf(process.env.API_URL_BROWSER) === 0 || url.indexOf(process.env.API_URL) === 0) {
              opts.withCredentials = true;
          }
      }
  
      return opts;
  }
docs: Opts Enhancer