Many people use the character xin in names, hoping for wealth.
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culture
鑫 is three 金 (gold) stacked together, meaning 'abundant gold.' It is not used in ordinary sentences — it appears almost only in shop names and given names, chosen for its lucky 'wealth and prosperity' connotation.
The top 金, written full-size. As the indexing radical it sets the theme: gold and wealth. Stacking it once on top and twice below piles up the idea of riches.
The lower-right 金, also compressed. Three golds together form the auspicious image of overflowing wealth that makes this character a favorite for names of shops and people.