Photopea is an application that allows users to edit photos.
The application Photopea online free can be built using a blank canvas or a layered template.
Yes, you can do so from "Send Feedback" menu.
It has an extensive set of tools and considering it's free I don't see anything better.
User can also cut and paste objects, work with layers, resize objects.
Cons It does not work very well with all PSD files.