Dear ProcessOut iOS team,
we have a problem running tests on targets that depend on ProcessOut iOS.
Tests are building, but the tests crash because Checkout3DS is not properly signed.
I have the very minimal test project that does show you the problem:
Checkout3DSTest.zip
The issue is not directly with ProcessOut, but Checkout3DS instead. But because you're depending on their XCFrameworks it is an issue with the ProcessOut dependency.
Here is a screenshot of the XCFramework folder, plus the JOSESwift.xcframework folder to compare it:

JOSESwift correctly includes a signature folder, Checkout3DS.xcframework does not.
It is not possible to run our test suite anymore, because we no longer depend on SPM.
Can you take a look at it and get back to us?