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Invalid client assertion format while creating a user

Hi,

I'm following the User guide (https://docs.moneyhubenterprise.com/docs/ongoing-access#obtaining-a-token) to create a new user via the API.

I created a Base64 encoded JWT with the headers and payload as follows:

header='{
"kid": "12345",
"alg": "RS256"
}'
payload='{
"iss": "",
"sub": "",
"jti": "some-placeholder-text",
"aud": "https://identity.moneyhub.co.uk/oidc/token",
"iat": 1714143145,
"exp": 1722009145,
}'

However, when I hit the /oidc/token endpoint, I get the error:

Invalid client assertion format while creating a user

Would appreciate some help in debugging this.

Best,
Sandip