[bug](dapp): payload is not valid when trying to get your first credential with Ceramic disabled

[pseudobun]

Describe the bug

Getting your first credential via Masca dapp fails with Payload is not valid error when Ceramic is disabled in settings and user tries to save the created credential.

To Reproduce

1. Click on "Get Started"
2. Go to Settings tab
3. Disable Ceramic if enabled
4. Go to Other > Create credential
5. Toggle on save
6. Click "Create Credential"

Screen.Recording.2023-12-14.at.11.36.42.mov

Expected behavior

When creating the credential, it should not throw "Payload not valid" error and the credential should be successfully saved.