I'm also interested in an official response to this question. First, my assumptions: the personalization.json file, and any logo images, are hashed as normal and included in the manifest file the pass needs to support NFC entries in the dictionary to include NFC entries, you need to get an enhanced certificate by submitting an application form to Apple. So, without knowing for sure, I'm guessing our personalizable pass is not validating because w don't have NFC entries and we don't have an NFC certificate. I have a workaround for effectively completing the personalization process, but I would rather have access to NFC tags. I also suspect that part of the reason we don't hear more about this, is because App Clips will soon support the new NFC tags announced at WWDC 2020, and that support for personalizable, NFC-aware wallet passes is not as emphasized as we'd like.