A modern, minimal 3D-rendered illustration of a dark gray padlock with a matching key placed side by side on a clean surface. The design is realistic and premium, with smooth matte textures and precise geometry. Soft natural lighting creates gentle highlights and a subtle soft shadow or faint reflection beneath the objects. Color palette is matte black to dark gray, aligned with a fintech aesthetic that conveys security, trust, and reliability. No visible background — transparent background preferred — so the object blends seamlessly on white or light gradient interfaces. High detail, studio-quality render, no text, no branding, no extra elements.