Why does Cash Management module comes under RTR track

Is there any reasoning or definition given by oracle why the cash management module comes under RTR track.

Recently, we had a discussion internally with our client and as per their process, they expects any cash management stuffs like bank statement import, etc should fall under OTC category as they do AP-AR cash settlement process (netting process) only at the last end in the OTC track before receiving money from customers but after making AP payments. Is this logical, please confirm. If there are any definitions for RTR category, please provide the same