Returns an active user that matches the payload's user id and email.

def authenticate_credentials(self, payload):
        """
        Returns an active user that matches the payload's user id and email.
        """
        User = get_user_model()
        username = jwt_get_username_from_payload(payload)

        if not username:
            msg = _('Invalid payload.')
            raise exceptions.AuthenticationFailed(msg)

        try:
            user = User.objects.get_by_natural_key(username)
        except User.DoesNotExist:
            msg = _('Invalid signature.')
            raise exceptions.AuthenticationFailed(msg)

        if not user.is_active:
            msg = _('User account is disabled.')
            raise exceptions.AuthenticationFailed(msg)

        return user