And on that note, your secret key is in gatehub's posession, so if you want to move over to Toast from a security perspective then you should also close your gatehub account. To simplify hosted wallets, think about having your bank account vs. having a pile of cash at home.
Just remember, your wallet is only as safe as the way in which you store your wallet address and secret key. Yes you can, you can even delete the app entirely and it wont effect the funds on the wallet. If you generate them on toast with a strong passphrase you will have an encrypted backup of said addresses.
If someone has your Secret Key and your Wallet Address your funds can be emptied in an irreversible way. This wallet type is considered the riskiest of all, as the funds are out of your hands and all you have is an IOU from the exchange. There is a 20 XRP reserve requirement for all Ripple accounts on the Ripple network.
There's a reason the Bitcoin veterans will tell you something along the lines of "if you don't own the private keys you don't own the coins", much like the older goldbugs will tell you "if you don't have the physical bullion, you don't own the metal".
https://coinfever.net/best-ripple-wallets/
XRP's inclusion on the Abra application is reflective of a continuing trend of the cryptocurrency market and world finance organizations to recognize XRP as a major contender that is demonstrating use-case at a higher rate than any other cryptocurrency, having earned the nickname the smart person's coin”.
