クリップ パスを使用して上部が透明な曲線の Div を作成するにはどうすればよいですか?

.first,
.second {
  display: inline-block;
  margin: 5px;
}

.first .top {
  clip-path: circle(72.9% at 50% 27%);
  height: 200px;
  width: 200px;
  background: url(https://picsum.photos/id/10/800/800) center/cover;
  position: relative;
}

.first .bottom {
  margin-top: -70px;
  background: yellow;
  height: 100px;
  width: 200px;
}

.second .top {
  height: 200px;
  width: 200px;
  background: url(https://picsum.photos/id/10/800/800) center/cover;
  position: relative;
}

.second .bottom {
  clip-path: polygon(0 25%, 14% 41%, 28% 51%, 49% 54%, 66% 53%, 79% 48%, 89% 39%, 100% 27%, 100% 100%, 47% 100%, 0% 100%);
  margin-top: -70px;
  background: yellow;
  height: 100px;
  width: 200px;
}

<div class="first">
  <div class="top">
  </div>
  <div class="bottom">
  </div>
</div>

<div class="second">
  <div class="top">
  </div>
  <div class="bottom">
  </div>
</div>