Avoid fingerprint verification when checking IsUserKYC

[ibukanov]

Summary

uphold.IsUserKYC() is used only for online checks but not for payments.
So skip certificate fingerprint checks to prevent outages in online
checks when Uphold changes the certificate.

Type of Change

• [ ] Product feature
• [x ] Bug fix
• [ ] Performance improvement
• [ ] Refactor
• [ ] Other

Tested Environments

• [ x] Development
• [ ] Staging
• [ ] Production

Before Requesting Review

• [ x] Does your code build cleanly without any errors or warnings?
• [ x] Have you used auto closing keywords?
• [ x] Have you added tests for new functionality?
• [ ] Have validated query efficiency for new database queries?
• [ ] Have documented new functionality in README or in comments?
• [ x] Have you squashed all intermediate commits?
• [ ]x Is there a clear title that explains what the PR does?
• [ x] Have you used intuitive function, variable and other naming?
• [ ] Have you requested security and/or privacy review if needed
• [ x] Have you performed a self review of this PR?

Manual Test Plan

[ibukanov]

I fixed the test failure. It turned out Uphold reports HTTP 401 when connecting using HTTP/2. Previously HTTP/2 was disabled as a custom dialer for fingerprint checks was set on http.Transport without setting ForceAttemptHTTP2. But as http.Transport without doing the fingeprint checks was not setting the dialer, that triggered the error in tests. The latest version always disables HTTP/2 explicitly fixing the tests.

[github-actions[bot]]

The following commits were not verified: 80754bc5ed9e8003a90b31973aca0b1843310aa1 (unsigned) 79e8255a9a8e3e3410b0c1b56f9cac9475572d32 (unsigned)