There are two possibilities that I know of to get this to work. The first is to get a "Regional wallet" from Oracle Cloud Infrastructure (OCI) from your autonomous transaction processing (ATP) database, put that on your local workstation, and update your sqlnet.ora to reflect the path to the regional wallet. The regional wallet will work for the ATP's you have defined in your region and you won't need an individual Instance Wallet. The trade off is the same as the benefit, a single wallet opens an encrypted channel to all of the ATP dbs in your region, which depending on what you are doing might not make sense from a security perspective.
Which leads us to option two. Download instance wallets for each ATP instance and make an entry for each instance wallet in your sqlnet.ora file that points to each wallet.
I have gotten the regional wallet, and instance wallet to work. I have not done more than one wallet, but have seen it described in articles found on the web, but don't currently have a link.
John is correct that it really is not a Toad issue. If you can get it to work with SQLPlus, tnsnames.ora, and sqlnet.ora, it will work with Toad.
Hope this helps
Joe
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