docs: def authenticate_credentials(self, payload):
          """
          Returns an active user that matches the payload's user id and email.
          """
          User = get_user_model()  # noqa
          username = jwt_get_username_from_payload_handler(payload)
  
          if not username:
              msg = _('Invalid payload.')
              raise exceptions.AuthenticationFailed(msg)
  
          try:
              user = User.objects.get(email=username)
          except User.DoesNotExist:
              msg = _('Invalid signature.')
              raise exceptions.AuthenticationFailed(msg)
  
          return user