The short answer is "no".
The high-level concept of AGPLv3 is to prevent someone who'd like to re-sell the OSS company's features (billing in our case).
For instance, let's say you're a vertical SaaS like Mindbody, selling software to yoga studio owners so that they manage their business: scheduling, payment, and billing.
If you use Lago to build your own billing feature (and sell it as part of your product), you'd need to either buy a commercial license (we call it "Lago Embedded") from us OR open source your code.
Let me know if you need more clarifications!