Additional Crescendo compatibility adjustments

Transaction payload signing & wallet coinbase maturity

• Enable tx with payload: getPayloadHash returns not zero when payload included by @srene in #2305
• Apply post-crescendo coinbase maturity to all nets by @michaelsutton in #2306

New Contributors

• @srene made their first contribution in #2305

Full Changelog: v0.12.20...v0.12.21