If someone has a sec and could help me out. I am trying to set up my wallet for staking, but for some reason, it says that staking is not active. Like stated in the instructions, I added staking=1. I've encrypted the wallet, and unlocked it for staking, which allowed the wallet to sync up and download the blockchain, but for some reason it's still unable to stake.

In the config file, when it says

rpcuser=*yourusername*
rpcpassword=*yourpassword*

what username/password is it referring to?
Also, could this be because the balance isn't matured yet? I know other wallets state when staking is not available due to coin maturation.