Centralized payments - TRM-IHC over FI-AP

Team - Can you please explain the advantages of using In-house cash over FI-AP for centralized payment scenario. In FI-AP we can configure same paying company code for multiple sending company codes and achieve the same result as IHC centralized payments. Given that we have OBYA setting as customer and vendor it is also easy to track how much each company code owes or needs to receive from each other.

Regards

Nitya