Can XML Publisher add a digital certificate (cert.pfx) via the xdo.cfg file or do I need to upgrade and use BI Publisher instead?

Hi Guys
I need to add a digital certificate to a clients customer statements and invoices. XML Publisher 5.6.3 has been used originally to design the templates as RTF. I have the following questions please...
1. Can an RTF template be used or do I need to convert it to a pdf template?
2. Can XML publisher even be used or do I need to get the DBAs to install BI Publisher. XML Publisher doesn't even have the signature properties in the admin screens that BI Publisher has.
Below is a copy of the xdo.cfg file which currently does not add the pfx file...
<config version="1.0.0" xmlns="http://xmlns.oracle.com/oxp/config/">
<properties>
   <property name="system-temp-dir">/tmp</property>
   <property name="pdf-security">false</property>
   <property name="pdf-open-password">testpass</property>
   <property name="pdf-permissions-password">testpass</property>
   <property name="pdf-encryption-level">1</property>
   <property name="pdf-no-printing">true</property>
   <property name="pdf-no-changing-the-document">true</property>
   <property name="signature-enable">true</property>
   <property name="signature-pkcs12-path">/app/oracle/product/appldev/apps/apps_st/appl/xdo/12.0.0/resource/digcert.pfx</property>
   <property name="signature-pkcs12-password">testpass</property>
   <property name="signature-field-location">top-left</property>
   <property name="signature-reason">taxreasons</property>
   <property name="signature-signed-at">Cape Town</property>
   <property name="signature-display-style">detailed</property>
</properties>
</config>
Any help will be greatly appreciated.

thanks for the summary of the many posts and threads describing all of these steps.

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