Not sbs here~ but it has always been their idea to create it in game with the CoA tool
Each package has restricting tiers to which access they have to each CoA.
Bloodline gets access to the shield
Mayors get access to shield + torso and crest.
Counts get access to shield + torso and crest + supporters
Dukes get access to shield + torso and crest + supports + mantle
The Monarch however, gets access to the full customized CoA. Which is where that additional restriction comes in.
It was a package tier/price to get the customized CoA and wouldn’t be fair to allow everyone to simply be allowed to have their own custom CoA outside the SbS provided CoA tool.
As far as I recall they will be providing more information on that CoA tool soon? Maybe with personas? That would be really cool ^.^ and it would make sense! But maybe it won’t be for a little bit too .-. Who knows!
Being able to create it out of game kind of defeats the purpose because CoAs are meant to be created in game even past launch, so it doesn’t entirely make much sense to allow their creation customizable outside of the tool for everyone that has access to the CoA