Every entry has two gates, and both have to clear before an instrument will provision:

• endorsement_status is Alfred's own product and rail eligibility.
• provider_endorsements[] is the provider-side approval, which Alfred doesn't control.

A customer can read APPROVED on our side and still not provision because a provider endorsement is outstanding. That's what reason_code: provider_processing means, and there's nothing for you or the customer to do about it.