How to fix "IPA processing failed" in Xcode 12.2 with MAC M1

When I tried to create Ad Hoc IPA file. It gave "IPA processing failed" error.

Xcode version is 12.2. Mac mini (M1, 2020)

I have checked logs file: IDEDistribution.standard.log file.

Assertion failed: Expected 2 archs in otool output:
/var/folders/kd/kb03k1ks33sb33gnl9fz95yr0000gn/T/IDEDistributionOptionThinning.~~~qlv6NP/Payload/xxx.app/xxx:
Mach header
      magic  cputype cpusubtype  caps    filetype ncmds sizeofcmds      flags
MH_MAGIC_64    ARM64        ALL  0x00     EXECUTE    47       5672   NOUNDEFS DYLDLINK TWOLEVEL BINDS_TO_WEAK PIE
Load command 0
      cmd LC_SEGMENT_64

How to fix it?

Can I generate IPA file without developer account?

You can not build IPA for device without a provisioning profile & certificate. I changed my post so that it's hopefully clearer now, what I meant is how to generate an ipa with a free apple account.

1 open Finder--> Application

2 select Xcode----> show Info

3 use Rosetta

This worked for me

Xcode -->Build Settings -->iOS Deployment Target-->iOS 13.0 or later

This method is also possible, but I must be compatible with the lower ios version, so i use Rosetta