Main subject: Young man with short black hair, wearing a white short-sleeve T-shirt and dark jogger pants, white casual shoes, sitting relaxed on the edge of a sofa, holding a black mobile phone in his hand, with a carefree expression. Scene: Blue simple fabric sofa, light gray carpet with geometric patterns, a white cat walking on the ground beside the sofa, golden coins of varying sizes surrounding the frame, the coins with light-colored outlines. Style: Flat commercial vector illustration style, simple and smooth lines, round and soft shapes, with a modern and light atmosphere. Color palette: Dominated by refreshing white and bright blue, complemented by warm golden coins as accents, clean and bright colors with moderate contrast, visually comfortable. Lighting: Soft flat lighting effect, no strong light-dark contrast, volume of objects shaped only through subtle color transitions, overall even and bright light. Composition: Centered on the man and the sofa as main elements, coin elements surrounding the frame, forming a balanced and full visual layout, sufficient white space, highlighting the core character and scene atmosphere. Use case: Suitable for online finance app promotions, illustrations for light-hearted financial content, illustrations for home finance lifestyle scenarios, conveying a comfortable and convenient finance home scene feeling.