(I'm new to cryptocurrencies.)
Please answer the following questions seperately for Poloniex and Kraken if they behave differently.
1) Can I buy example given XRP on Poloniex or Kraken and send it from there to my cold wallet?
2) Are these XRP on Poloniex or Kraten IOUs?
3) If they are IOUs and I send the XRPs to my cold wallet, does it effect my money on my cold wallet if Poloniex or Kraken goes broke (do I loose my money in that scenario)?
4) Is there any difference between sending my XRPs from Kraken/Poloniex to my coldwallet and sending my XRPs from Gatehub to my coldwallet?