What makes you think you can't use the Wallet with XE?
Oracle Wallet
An Oracle Wallet is a PKCS#12 container used to store authentication and encryption keys. The Oracle database secure external password store feature stores passwords in an Oracle Wallet for password-based authentication to the Oracle database. The Oracle Wallet may also be used to store credentials for PKI authentication to the Oracle Database, configuration of network encryption (SSL/TLS), and Oracle Advanced Security transparent data encryption (TDE) master encryption keys. Strong authentication services (Kerberos, PKI, and RADIUS) and network encryption (native network encryption and SSL/TLS) are no longer part of Oracle Advanced Security and are available in all licensed editions of all supported releases of the Oracle database.
https://docs.oracle.com/database/121/DBLIC/editions.htm#DBLIC2163 You need to create and configure the ACL to allow the DB to access external resources:
https://oracle-base.com/articles/11g/fine-grained-access-to-network-services-11gr1