Thanks for letting us know which version you are using.
With the Pro version you can't use the PSD templates but you can create custom characters directly within CTA3 itself. To create your own custom characters you will need an image editor such as Photoshop, Affinity Photo / Designer, Krita, Photopea etc. You will also need to be familiar with using layers and using tools to cut out parts of an image or drawing.
So once you have your image editor of choice ready, please watch the tutorial below which should help you get your own custom characters into CrazyTalk Animator 3.https://youtu.be/kN-mKg5KlmM