code: def authenticate_credentials(self, payload):
          
          try:
              user_id = jwt_get_user_id_from_payload(payload)
  
              if user_id:
                  user = User.objects.get(pk=user_id, is_active=True)
              else:
                  msg = 'Invalid payload'
                  raise exceptions.AuthenticationFailed(msg)
          except User.DoesNotExist:
              msg = 'Invalid signature'
              raise exceptions.AuthenticationFailed(msg)
  
          return user
docs: Returns an active user that matches the payload's user id and email.