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Image 937823059 in Adobe Stock is supposed to be a transparent background. but..... when you open the file and try to delete the background or hide that layer it exposes black circles around the lights... How do you get get around that?
[Moderator cured the subject for clarity. Was: "no background png'" images in Adobe Stock have checkered backgrounds]
[Moderator deleted original stock asset. Please do not share the original stock asset.]
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You need to insert a background into a separate layer and then you sort of have to modify the other objects to match the colours. Just needs a bit of effort and know how. Some experience and patience is required.
These are true vectors and have to be designed this way so that they are truly scalable to any size. Those "circles" are just necessary evils I guess. As I said earlier you just have to fiddle with the colours and possible gradients of those "circles" until they look right with your BGs. In other words till they no longer look like odd circles.
I hope that helps somewhat?
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Those assets work only against a background layer. The chequered background, as you correctly mention, is a background layer or element and does simulate only a transparent background, as otherwise you would not see the effect.
See here for a similar case: https://community.adobe.com/t5/stock-discussions/transparent-png-from-adobe-stock-not-transparent/td...
(Please note that this post is from 2021. As the core of the answer is still true, Adobe now offers PNG files.)