diff --git a/example/e2e/invoice-schedule.spec.ts b/example/e2e/invoice-schedule.spec.ts
index 751f5a4f2..ac8f67ef2 100644
--- a/example/e2e/invoice-schedule.spec.ts
+++ b/example/e2e/invoice-schedule.spec.ts
@@ -37,12 +37,6 @@ const currenciesResponse = {
  * reverse registration order, so the specific stubs below take precedence over it.
  */
 async function stubInvoiceScheduleApi(page: Page) {
-  await page.route('**/api/fetch-refresh-token', (route) =>
-    route.fulfill({
-      json: { access_token: 'e2e-access-token', expires_in: 3600 },
-    }),
-  );
-
   await page.route(
     /\/v1\/contractors\/employments\/[^/]+\/contractor-currencies/,
     (route) => route.fulfill({ json: currenciesResponse }),
diff --git a/example/src/ContractorOnboarding.tsx b/example/src/ContractorOnboarding.tsx
index 2443a4083..f3248f826 100644
--- a/example/src/ContractorOnboarding.tsx
+++ b/example/src/ContractorOnboarding.tsx
@@ -745,10 +745,7 @@ export const ContractorOnboardingWithProps = ({
 }: ContractorOnboardingFormData) => {
   return (
     <div className='contractor-onboarding-container'>
-      <RemoteFlows
-        authType='company-manager'
-        proxy={{ url: window.location.origin }}
-      >
+      <RemoteFlows proxy={{ url: window.location.origin }}>
         <div className='contractor-onboarding-content'>
           <ContractorOnboardingFlow
             render={OnBoardingRender}
diff --git a/example/src/CreateCompany.tsx b/example/src/CreateCompany.tsx
index 8b84da076..6b731fa3f 100644
--- a/example/src/CreateCompany.tsx
+++ b/example/src/CreateCompany.tsx
@@ -177,10 +177,7 @@ export const CreateCompanyWithProps = ({
 }: CreateCompanyWithPropsData) => {
   return (
     <div className='contractor-onboarding-container'>
-      <RemoteFlows
-        authType='company-manager'
-        proxy={{ url: window.location.origin }}
-      >
+      <RemoteFlows proxy={{ url: window.location.origin }}>
         <div className='contractor-onboarding-content'>
           <Header />
           <Card className='px-0 py-0'>
diff --git a/example/src/JsonSchemaComparisonDemo.tsx b/example/src/JsonSchemaComparisonDemo.tsx
index 79e472354..149394158 100644
--- a/example/src/JsonSchemaComparisonDemo.tsx
+++ b/example/src/JsonSchemaComparisonDemo.tsx
@@ -3,10 +3,7 @@ import { RemoteFlows } from './RemoteFlows';
 
 export const JsonSchemaComparisonDemo = () => {
   return (
-    <RemoteFlows
-      authType='company-manager'
-      proxy={{ url: window.location.origin }}
-    >
+    <RemoteFlows proxy={{ url: window.location.origin }}>
       <JsonSchemaComparison />
     </RemoteFlows>
   );
diff --git a/example/src/RemoteFlows.tsx b/example/src/RemoteFlows.tsx
index 83820f7ff..10445a725 100644
--- a/example/src/RemoteFlows.tsx
+++ b/example/src/RemoteFlows.tsx
@@ -47,8 +47,9 @@ type RemoteFlowsProps = Omit<RemoteFlowsSDKProps, 'auth'> & {
   auth?: RemoteFlowsSDKProps['auth'];
   isClientToken?: boolean;
   /**
-   * `'none'` skips the FE-side auth callback entirely — use it when the proxy
-   * mints tokens server-side and the FE never needs to hold one.
+   * `'none'` skips the FE-side auth callback entirely. It's the default when
+   * `proxy` is passed, since the example proxy mints tokens server-side and
+   * the FE never needs to hold one.
    */
   authType?: 'refresh-token' | 'company-manager' | 'client' | 'none';
 };
@@ -59,8 +60,9 @@ export const RemoteFlows = ({
   authType,
   ...props
 }: RemoteFlowsProps) => {
+  const hasProxy = !!props.proxy;
   const auth = useMemo(() => {
-    if (authType === 'none') {
+    if (authType === 'none' || (!authType && !isClientToken && hasProxy)) {
       return undefined;
     }
     if (authType === 'company-manager') {
@@ -71,7 +73,7 @@ export const RemoteFlows = ({
     }
 
     return fetchCompanyToken;
-  }, [authType, isClientToken]);
+  }, [authType, isClientToken, hasProxy]);
   return (
     <ErrorBoundary>
       <RemoteFlowsAuth
diff --git a/example/src/Termination.tsx b/example/src/Termination.tsx
index d84791769..15951ab0d 100644
--- a/example/src/Termination.tsx
+++ b/example/src/Termination.tsx
@@ -192,7 +192,7 @@ export const TerminationWithProps = ({
 }) => {
   const proxyURL = window.location.origin;
   return (
-    <RemoteFlows proxy={{ url: proxyURL }} authType='company-manager'>
+    <RemoteFlows proxy={{ url: proxyURL }}>
       <TerminationFlow
         employmentId={employmentId}
         render={TerminationRender}
diff --git a/example/src/flows/JsonSchemaPlayground/JsonSchemaPlayground.tsx b/example/src/flows/JsonSchemaPlayground/JsonSchemaPlayground.tsx
index 4492102d6..1c434a4cd 100644
--- a/example/src/flows/JsonSchemaPlayground/JsonSchemaPlayground.tsx
+++ b/example/src/flows/JsonSchemaPlayground/JsonSchemaPlayground.tsx
@@ -28,10 +28,7 @@ export const JsonSchemaPlayground = () => {
   }, []);
 
   return (
-    <RemoteFlows
-      authType='company-manager'
-      proxy={{ url: window.location.origin }}
-    >
+    <RemoteFlows proxy={{ url: window.location.origin }}>
       <JsonSchemaPlaygroundFlow
         defaultSchema={selectedSchema}
         schemas={SCHEMAS}