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About this tool
Paired light and dark fintech palettes with a 50-900 brand ramp, Material 3 elevation overlays, money semantics and a WCAG audit of both themes.
The Fintech India Palette Generator takes one brand hue and returns a matched pair of themes: a 50-900 tonal ramp, light and dark surfaces, five money-semantic colours for credit, debit, pending, failed and rewards, and a WCAG 2.x contrast audit of every text and control pairing in both themes. Dark surfaces are built the way Material Design 3 specifies — a translucent brand tint composited over the darkest surface at the published elevation opacities of 5%, 8%, 11%, 12% and 14%. It is aimed at product and design teams building UPI apps, lending flows, neobank dashboards and investment products where balances have to stay legible in bright daylight and at night.
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Provide your input — an image, text, or data.
Let the tool analyze or generate the result.
Review, refine, and reuse the output wherever you need it.
Twelve contrast checks run across light and dark, so a palette cannot pass in one mode and quietly fail in the other.
Dark surfaces are composited with the published Material 3 tint opacities, not invented greys.
Credit, debit, pending, failed and rewards are each repaired to 4.5:1 on their own surface, and the credit-to-debit luminance gap is reported.
Blue, indigo and teal dominate financial interfaces because they read as institutional and low-arousal, and users have decades of banking exposure to them. What matters more than the hue is discipline: one brand colour with a full tonal ramp, a strictly separate set of money-semantic colours, and no decorative accent that shares a hue with credit or debit.
Do not invert. Start from a dark ground of roughly 8% to 12% lightness — pure black causes halation around white text and makes elevation impossible to show — then build each raised surface by compositing a translucent brand tint over that ground. Material 3 publishes the opacities: 5% at level 1, 8% at level 2, 11% at level 3, 12% at level 4 and 14% at level 5.
It is the convention most Indian banking and UPI apps follow, and going against it confuses users. Just do not rely on it alone: roughly 8% of men have a red-green colour vision deficiency, so always pair the colour with a plus or minus sign, and keep a visible luminance difference between the two so the amounts still separate in greyscale.
WCAG 2.x asks for 4.5:1 on body text, 3:1 on large text (24px regular or 18.66px bold) and 3:1 on interface components such as input borders and focus rings. Balances and transaction amounts are the last thing you want to be borderline, so treat 4.5:1 as a floor rather than a target. This tool reports ratios; it is a design aid, not a compliance certification or financial advice.