Turn JPG / PNG into an SVG Design Space can use. Layered trace puts each color in its own <g> so you can assign mats, Cut vs Pen, and colors. Everything runs in your browser.
In Cricut Design Space
Upload the downloaded SVG.
Open Layers — each cricut-layer-N group is one color layer.
Set Operation to Cut (or Pen / Foil per layer).
Use Attach or Weld when pieces must cut together on the same mat.
Match layer colors to vinyl / mat order before cutting.