Свойство background-clip

background-clip: [padding-box | border-box | content-box | text];

<!DOCTYPE html>
<html lang='ru'>
<head>
<meta charset='UTF-8'>
<meta name='viewport' content='width=device-width, initial-scale=1.0'>
<title>Document</title>
</head>
<body>
<style>
#div-test2 {
border: 10px dotted #229100;
background: url('https://mfs.gki-webik.ru/s?path=/images/regular/zoloto.webp');
width: 400px;
min-height: 200px;
background-repeat: no-repeat;
background-position: center center;
-webkit-background-clip: text;
color: transparent;
}
#r2 {
font-size: 2.3em;
text-align: center;
margin-top: 50px;
}
#div-test3 {
border: 10px dotted #11b7c3;
background: url('https://mfs.gki-webik.ru/s?path=/images/regular/zoloto.webp');
width: 400px;
min-height: 200px;
background-repeat: no-repeat;
color: rgb(255, 255, 255);
background-position: center center;
background-clip: padding-box;
}
#r3 {
font-size: 2.3em;
text-align: center;
margin-top: 50px;
}
</style>
<div id='div-test2'>
<div id='r2'>Пример</div>
</div>
<div id='div-test3'>
<div id='r3'>Пример</div>
</div>
</body>
</html>