Design System Inspiration of Banksalad

1. Visual Theme & Atmosphere

Banksalad is a Korean data-driven financial platform that helps people compare products, understand credit and spending, and connect finance with a broader health-asset proposition. Its current public web surfaces feel informational rather than decorative: a white #ffffff canvas, dense but readable Pretendard typography, near-black #111111 content, and green actions that keep comparison and next steps visible. The most repeated current accent is #13bd7e, while a consequential full-width loan action uses the deeper #06a96c. This reference follows the live product surfaces and the official Banksalad Product Language publications separately, preserving BPL's collaboration philosophy without pretending its 2020 component values are necessarily identical to today's public web implementation.

Current geometry is role-specific rather than governed by one sharp-corner default. The content directory uses a compact 6px green chip, the public loan action uses a 16px radius, customer-safety cards use 24px corners with a #f0f2f5 border, and a carousel indicator uses a full pill. Plain lists and disclosure rows remain square. The earlier claim that 2px was the dominant current system came from a legacy CSS bundle and is not promoted in this pass.

Typography is consistently Pretendard across the five inspected surfaces. The collector matched loaded Pretendard font faces to 603 visible elements spanning body, headings, buttons, cards, and list items. swiper-icons was declared but not used for visible text. BM JUA was not declared or visibly used in this fresh capture, so it is not a current UI or marketing token; its earlier promotion has been removed. The observed hierarchy relies mainly on 16px body and labels, 14px supporting copy, and 18–20px headings with 400/500/700 weights.

Key Characteristics:

• Loaded Pretendard across all five current public web surfaces
• Current accent #13bd7e; deeper action green #06a96c
• White #ffffff canvas with #111111 foreground, #555c68 secondary text, and #9fa4b0 muted metadata
• Role-specific 6px / 16px / 24px / full-pill geometry
• 8px, 12px, 16px, and 24px as recurring useful spacing values
• Public product evidence covers buttons, cards, and list/disclosure rows; inputs, charts, dialogs, and authenticated app states remain unpromoted

Primary tasks

• Compare cards, loans, deposits, or insurance and read the conditions
• Check whether an interest-rate reduction request is available
• Read a card's benefits, disclosures, and product details
• Get guidance after fraud, identity theft, or a mistaken transfer
• Read up on a financial decision before entering a product flow

2. Color Palette & Roles

Primary

• Current accent (#13bd7e): repeated green text and border color across home, contents, loan, and card-detail surfaces.
• Primary action (#06a96c): full-width loan-flow action background, paired with #ffffff text.
• The previous #04c584 and #10df99 values were not observed in the five-surface capture and are not current canonical tokens.

Heading & Body

• Foreground (#111111): dominant heading, body, and list text across all five surfaces.
• Secondary (#555c68): supporting copy on home, contents, and card detail.
• Neutral (#606874): explanatory copy in loan and customer-safety contexts.
• Muted (#9fa4b0): product metadata and subdued actions on contents and card detail.

Surface & Border

• Canvas (#ffffff): default current page and card surface.
• Line (#f0f2f5): observed 1px customer-safety card border.
• Transparent: most navigation, list, disclosure, and utility controls stay unfilled.

Unresolved color groups

No current public chart, authenticated dashboard, input validation, warning, error, or success-state palette was safely captured. Those legacy groups are omitted rather than mapped to plausible greens, reds, or teals.

3. Typography Rules

Font evidence boundary

Specimen availability requires a loadable font source and is separate from family truth.

Font Family

• Primary: Pretendard, -apple-system, BlinkMacSystemFont, system-ui, "Segoe UI", Roboto, "Apple SD Gothic Neo", "Noto Sans KR", "Malgun Gothic", sans-serif
• Loaded sources were observed for Pretendard Regular, Medium, SemiBold, Bold, and ExtraBold subsets.
• BM JUA was not declared, loaded, or visibly used in this fresh capture and is omitted.

Hierarchy

Principles

• Pretendard is the only current visible text family. Do not substitute an unobserved accent face.
• 400 carries reading; 700 carries decisions. Current body/list copy is commonly 400, while headings and the primary loan action are 700.
• Tracking is subtle at product sizes. Current 14–18px roles use approximately -0.06px to -0.09px; no -1px display token is promoted.
• Surface evidence stays local. Authenticated app typography and native-only financial amount roles remain unresolved.

4. Component Stylings

Current verified components

Primary Loan Action

• Background: #06a96c
• Text: #ffffff
• Radius: 16px
• Padding: 16px 20px
• Height: 56px
• Font: 16px / 700 / Pretendard
• Hover: a full-size black ::after overlay goes from opacity 0 to 0.04; the fill stays #06a96c
• Pressed: the same overlay at 0.04 (pressed equals hover)
• Focus: no visible indication — outline-style: none, and no other property changes (measured 2026-09-29 after real Tab presses, :focus-visible matched)
• States: default captured 2026-07-12; hover, pressed and focus measured 2026-09-29 on the same loan-flow button; every change is instant (transition: all 0s)
• Use: Full-width primary action in the public interest-rate flow

Content Filter Chip

• Background: rgba(19, 189, 126, 0.15)
• Text: #13bd7e
• Radius: 6px
• Padding: 10px 12px
• Font: 16px / 500 / Pretendard
• States: default captured 2026-07-12; no safe active interaction expansion. The /contents surface answered HTTP 404 on 2026-09-29 (four attempts), so these values could not be re-measured and stay as captured
• Use: Category and filter action on the public contents directory

Customer Safety Card

• Background: #ffffff
• Border: 1px solid #f0f2f5
• Radius: 24px
• Padding: 24px
• Use: Customer-safety action and guidance card
• Scope: the 158px guidance list card (surface-4::li, six on the page). The report link cards at the top of the same page are a different element, recorded below as Safety Link Card; the 2026-09-29 probe measured one of those, so its 28px 24px padding and tinted shadow do not apply here

Product Disclosure Row

• Background: transparent
• Label: #272a30, 16px / 700 / Pretendard — the visible span.text-b16.font-bold (measured 2026-09-29). The button's own computed style is #000000 16px / 400; the earlier #111111 matched neither
• Radius: 0px
• Padding: 24px 20px
• Hover and pressed: no visible change (measured 2026-09-29)
• Focus: no visible indication — outline-style: none, nothing else changes (measured 2026-09-29)
• Use: Expandable disclosure row on the public card-product detail (the expanded state was not opened)

Header, hero and footer (captured 2026-07-12; states measured 2026-09-29)

Header Menu Link

• Text: #111111, 16px / 700 / Pretendard, -0.08px tracking; padding 0 22px, 26px line box, no fill
• Hover and pressed: the text turns #13bd7e. All 44 July state samples (11 links on four surfaces) agree, and the 2026-09-29 probe read the same on 카드 with real :hover and :active
• Focus: no visible indication — outline-style: none, nothing else changes (measured 2026-09-29)
• Use: sticky desktop header (카드, 대출, 예적금, 무료 건강 검사, 건강 보험, 자동차보험 …)

Hero Pill CTA

• Background #13bd7e, text #ffffff, 41px radius, padding 10px 20px, 41px tall, 18px / 500 / Pretendard
• Shadow: 0 4px 9px rgba(0,0,0,0.15)
• Hover and pressed: no visible change. Focus: no visible indication (all measured 2026-09-29)
• The carousel's other slides recolour the same pill: #877af5 with white text (내 최저금리 조회하기) and #ffbe4c with #111111 text (이벤트 보기), captured 2026-07-12 and present again in the 2026-09-29 survey
• Use: 뱅크샐러드 사용해보기

Hero Outline Pill

• Background #ffffff, text and 1px border #13bd7e; the filled pill's radius, padding, type and shadow; 43px tall
• Hover and pressed: no visible change. Focus: no visible indication (all measured 2026-09-29)
• Use: 서비스 더 알아보기

Safety Link Card

• Background #ffffff, 1px solid #f0f2f5 border, 24px radius, padding 28px 24px, 564px × 190px (272px-wide cards sit beside it)
• Shadow: 0 8px 24px #dce9f3 — a tinted rest shadow, present in the 2026-07-12 capture and on 2026-09-29
• Title: #272a30, 24px / 700 (measured 2026-09-29)
• Hover and pressed: no visible change. Focus: no visible indication (all measured 2026-09-29)
• Use: customer-safety report links (명의 도용 의심 …)

Carousel Page Dot

• #ffffff, 9999px radius, 36px × 8px for the current page, shadow 0 2px 8px rgba(0,0,0,0.1); the 2026-09-29 survey reads the other dots at 8px × 8px
• No pointer-state sample

Footer Link

• Text #111111, 16px / 400 / Pretendard, 20px line box, no fill
• No pointer-state sample
• Use: footer columns (회사소개, 블로그, 공지사항, 이용약관 …)

None of the six controls probed on 2026-09-29 shows a visible keyboard focus indication: each removes the browser ring (outline-style: none) and changes nothing else. That is recorded as a measured absence on each component, not as a focus token.

Superseded 2026-05 legacy snapshot — retained for audit history, not canonical

Legacy Buttons

Primary CTA (Salad Green)

• Background: #04c584
• Text: #ffffff
• Border: none
• Radius: 2px
• Padding: 12px 24px
• Height: 42px (line-height-driven)
• Font: 16px / 700 / Pretendard
• Hover: background #10df99 (lightens — opposite of convention)
• Use: Primary CTA on data tables, recommendation rows, transactional flows ("내 카드 추천 받기", "신청하기")

Primary CTA — Large Display

• Background: #04c584
• Text: #ffffff
• Border: none
• Radius: 2px
• Padding: 16px 32px
• Height: 56px
• Font: 18px / 700 / Pretendard
• Letter-spacing: -1px
• Hover: #10df99
• Use: Hero CTA on landing surfaces ("앱 다운로드", "지금 시작하기")

Primary CTA — Hover-Inverted (Retry)

• Background: #10df99 (default lighter)
• Text: #ffffff
• Border: none
• Radius: 2px
• Padding: 10px 20px
• Font: 14px / 500 / Pretendard
• Hover: background #04c584 (darkens — the one place Banksalad uses the darken pattern)
• Use: Secondary retry / "다시 시도" actions where the resting state is a softer mint

Ghost / Outlined

• Background: #ffffff
• Text: #04c584
• Border: 1px solid #04c584
• Radius: 2px
• Padding: 12px 24px
• Font: 16px / 700 / Pretendard
• Hover: background #f3fdfa (mint tint)
• Use: Secondary actions paired with a Primary CTA

Neutral / Cancel

• Background: #f5f5f5
• Text: #434444
• Border: none
• Radius: 2px
• Padding: 12px 24px
• Font: 16px / 700 / Pretendard
• Hover: background #e1e1e1
• Use: Cancel / "취소" / dismiss actions

Disabled

• Background: #e1e1e1
• Text: #acacac
• Border: none
• Radius: 2px
• Font: 16px / 700 / Pretendard
• Use: Disabled state (form incomplete, retry cooling down)

Link Button (Inline Text Link)

• Background: transparent
• Text: #04c584
• Border: none
• Padding: 0
• Font: 14px / 500 / Pretendard
• Hover: text-decoration: underline
• Use: Inline links within content ("자세히 보기"), table-row jump links

Cards & Containers

Data Card (Default)

• Background: #ffffff
• Border: 1px solid #e1e1e1 (some surfaces use no border + shadow only)
• Radius: 2px
• Padding: 20px 24px
• Shadow: 0 2px 5px rgba(0, 0, 0, 0.12)
• Use: Recommendation rows, transaction cards, account summary blocks

Card — Soft Variant

• Background: #fbfbfb
• Border: none
• Radius: 8px
• Padding: 24px
• Shadow: 0 2px 8px rgba(0, 0, 0, 0.1)
• Use: Marketing/landing feature cards (the rare 8px-radius case)

Card — Highlight (Selected)

• Background: #f3fdfa
• Border: 1px solid #10df99
• Radius: 2px
• Padding: 20px 24px
• Use: Selected state in product comparison lists (cards/loans), recommended-pick highlight

Inputs & Forms

Text Input (Default)

• Background: #ffffff
• Text: #999999 (placeholder) / #434444 (filled)
• Border: 1px solid #e1e1e1
• Radius: 2px
• Padding: 0 16px
• Height: 48px
• Font: 16px / 500 / Pretendard

Text Input — Focus

• Background: #f3fdfa
• Text: #434444
• Border: 1px solid #10df99
• Radius: 2px
• Use: Active typing state — the mint tint is the only branded background fill in the system

Text Input — Error

• Background: #ffffff
• Text: #434444
• Border: 1px solid #fe493d
• Radius: 2px
• Error message below: 12px / 500 / #fe493d
• Use: Validation failure state

Amount Input (Financial)

• Background: #ffffff
• Text: #2b2b2b
• Border: 2px solid #f5f5f5
• Radius: 2px
• Padding: 0 16px
• Height: 56px
• Font: 22px / 700 / Pretendard (right-aligned)
• Use: Specialized input for entering won amounts — heavier border (2px), bigger type, right-aligned, 700 weight; treats money input as a heading not a form field

Badges & Tags

Status Pill (Brand)

• Background: #f3fdfa
• Text: #04c584
• Border: none
• Radius: 41px (rare pill — used only on tag chips, not buttons)
• Padding: 4px 10px
• Font: 12px / 500 / Pretendard
• Use: Filter chips ("연회비 없음", "주유 할인") on card-recommendation pages

Status Badge (Warning)

• Background: #ffffff
• Text: #f56200
• Border: 1px solid #fd8700
• Radius: 2px
• Padding: 2px 8px
• Font: 12px / 700 / Pretendard
• Use: Rate-warning, expiry, attention-needed indicators

Status Badge (Negative)

• Background: #ffffff
• Text: #fe493d
• Border: 1px solid #fe493d
• Radius: 2px
• Padding: 2px 8px
• Font: 12px / 700 / Pretendard
• Use: Overdue, declined, blocking-issue indicators

Tables (Financial Data)

Table Header Row

• Background: #f5f5f5
• Text: #7b7b7b
• Border-bottom: 1px solid #e1e1e1
• Padding: 12px 16px
• Font: 13px / 700 / Pretendard / uppercase letter-spacing 0.05em
• Use: Column headers on transaction lists, fee schedules

Table Body Row

• Background: #ffffff (alternates with #fbfbfb on dense tables)
• Text: #434444
• Border-bottom: 1px solid #e1e1e1
• Padding: 12px 16px
• Font: 14px / 500 / Pretendard
• Amounts right-aligned: 14px / 700 / #2b2b2b (positive) or #fe493d (negative)
• Use: Transaction rows, line-item displays

Charts & Data Viz

Chart Series Tokens

• Series 1: #34464b (primary)
• Series 2: #5c818a (secondary)
• Series 3: #1c6c73 (tertiary)
• Series 4: #a7c7cf (quaternary / pale)
• Highlight: #04c584 (always reserved for "your value" / user's own data point)
• Negative: #fe493d
• Positive trend: #04c584

Axis & Gridlines

• Axis label: 10–12px / 500 / #7b7b7b
• Gridline: 1px dashed #e1e1e1
• Background: #ffffff or #fbfbfb

Navigation

• Header: sticky white (#ffffff), no shadow at rest, 1px bottom border #f5f5f5
• Logo: left, ~24–28px tall, brand wordmark in #04c584 (or #2b2b2b mono variant)
• Nav links: 14px / 500 / Pretendard / #434444, hover #04c584
• Sign-in CTA: white background, #2b2b2b text, 1px solid #d8dfe6 border, 16px radius, 6px 14px padding, 14px / 400 (the home-page header uses a softer 16px radius for the auth pill — exception to the 2px default; this is the only 16px-radius live observation in the captured DOM)

Shadows

Level	Treatment	Use
Flat	none	Page background, inline elements
Soft (L1)	0 1px 1px rgba(0,0,0,.08)	Subtle row separators
Standard (L2)	0 2px 5px rgba(0,0,0,.12)	Default cards — most common (~38 occurrences)
Elevated (L3)	0 4px 9px rgba(0,0,0,.15)	Dropdowns, popovers
Deep (L4)	0px 2px 8px rgba(0,0,0,.1)	Floating panels
Modal (L5)	0 17px 50px rgba(0,0,0,.19)	Modal dialogs
Inset	inset 0 1px 1px rgba(0,0,0,.12)	Pressed-button / depressed input feel

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Verified: 2026-07-12 (omd:migrate) · states re-measured 2026-09-29 (live probe of the home, loan, customer-safety and card-detail pages) Tier 1 sources: https://www.banksalad.com/ ; https://www.banksalad.com/contents ; https://www.banksalad.com/loan/interest-rate-cut ; https://www.banksalad.com/customer-safety ; https://www.banksalad.com/product/cards/CARD002319 ; https://blog.banksalad.com/tech/banksalad-product-language-design/ ; https://blog.banksalad.com/tech/banksalad-product-language-ios/ Tier 2 sources: https://getdesign.md/banksalad (no brand record found in exact search); https://styles.refero.design/?q=banksalad (attempted; browser-harness unavailable and indexed search returned no brand result) Tier 2 status: unavailable Conflicts unresolved: none Earlier mistakes reverted: #04c584 canonical primary, #10df99 hover, BM JUA current usage, 2px default radius, and uncaptured input/chart/modal/state claims

5. Layout Principles

Spacing System

• Base unit: 4px
• Scale: 4px, 8px, 12px, 16px, 20px, 24px, 32px, 40px, 48px, 64px
• Card internal padding: 20px / 24px (slightly tighter than Toss's 20px-horizontal default — Banksalad packs more data)
• Table-row vertical padding: 12px (denser than consumer apps)

Grid & Container

• Marketing/landing: max content width ~1080–1200px, centered
• App / data surfaces: full-width with 16–24px gutters; tables go edge-to-edge on mobile
• Card-recommendation lists: single-column on mobile, 2–3 column grid on desktop
• Charts: full-width within their card container, never bleed outside

Whitespace Philosophy

• Density is the brand. Where Toss says "breathing room for money", Banksalad says "more facts visible without scrolling". A balance, a comparison rate, an interest rate, and three filter chips can coexist in one card.
• Section rhythm by surface fill. White (#ffffff) and off-white (#fbfbfb) sections alternate quietly — not for drama, but to chunk dense data into scannable bands.
• Tight gaps inside, generous gaps outside. Inside a comparison card, rows sit on 12px vertical gaps. Between cards, 24–32px. The hierarchy of grouping is communicated through gap-size alone.

Border Radius Scale

• 2px (dominant — 81 occurrences in CSS): Buttons, inputs, cards, badges, banners. The signature.
• 4px: Small badges, inline pills.
• 8px: Soft marketing cards (rare).
• 10–12px: Promotional banner corners (rare).
• 30–41px: Filter pills, tag chips, avatar circles.
• 50%: Avatars, icon backdrops.

Banksalad's 2px is a typographic-engineering commitment: pixel rounding sharp enough to look engineered, soft enough to not draw blood. Any radius ≥ 12px feels Toss-ish and is reserved for explicitly marketing-warmth contexts.

6. Depth & Elevation

Shadow Philosophy. Shadows are always neutral and single-layer. No colored shadows, no parallax stacks. Where Stripe brands its shadows in navy and Toss uses near-zero shadows for clinical clarity, Banksalad sits between — visible enough that cards lift off the surface, restrained enough that the data inside is what the eye lands on. The signature 0 2px 5px rgba(0,0,0,.12) is a small, low-cost lift used 38× in the bundle.

Measured exception (2026-07-12 capture, confirmed 2026-09-29): the customer-safety link card carries a tinted rest shadow, 0 8px 24px #dce9f3, so the neutral-only statement above does not hold for that card.

7. Do's and Don'ts

Do

• Use #04c584 for every interactive moment — CTAs, links, focus accents, "your data point" on charts
• Use #10df99 for hover (it's brighter than #04c584 — Banksalad lightens on interaction)
• Use #f3fdfa mint tint on input focus background — the only branded surface tint in the system
• Keep border-radius at 2px for buttons, inputs, cards, badges — the system's geometric signature
• Use Pretendard with the full Korean fallback stack; 700 as default weight for headings and CTAs
• Use #2b2b2b/#434444 warm near-blacks for type instead of #000000
• Use the teal-slate family (#34464b/#5c818a/#1c6c73/#a7c7cf) for chart series — cooler than brand green by design
• Use #04c584 only for "your value" on a chart — never as a generic data fill
• Right-align financial amounts in tables; use 700 weight for amounts even at 14px
• Use comma-separated won amounts with the currency unit in 500 weight (12,400,000원)

Don't

• Don't use Toss's 12px+ rounded corners — Banksalad is 2px; 8px is the soft-marketing exception
• Don't use Kakao yellow, KakaoPay yellow, or any warm accent for primary interaction — green is the sole interactive hue
• Don't use BM JUA inside the app — Jua is for marketing-landing display moments only
• Don't use weight 400 for body — Banksalad's body weight is 500
• Don't apply colored shadows (blue, green, branded) — shadows are always neutral black
• Don't pad financial cards generously like Toss — Banksalad packs density; data is the aesthetic
• Don't approximate currency amounts (약 120만원) on primary financial surfaces — bare numerals with commas only
• Don't use #0099ff info-blue for default links — green is the default link color; blue is reserved for external references
• Don't use Pretendard 300 on body — light weights only at hero display sizes (52px+)
• Don't sprinkle the brand green on chart series — green is for interaction, teal-slate is for data

8. Responsive Behavior

Breakpoints

Touch Targets

• Buttons minimum 42px height (default), 56px for hero display CTAs
• Table rows minimum 44px (slightly denser than 48px standard — Banksalad accepts a tighter tap)
• Filter pill chips: 28–32px height
• Input minimum 48px height; amount-input 56px

Collapsing Strategy

• Hero: 52px → 36px on mobile, weight 700 maintained
• Marketing 3-col feature grids → 2-col → single column
• Comparison tables: maintain table form on tablet, switch to stacked cards on mobile (each row becomes a card with key/value pairs)
• Charts: full-width, maintain aspect ratio, axis-label font drops 12px → 10px on mobile
• Filter chip rows: horizontal scroll (no wrap) on mobile to preserve the chip rhythm

Image Behavior

• Card/product logos: 24–40px, consistent square framing within rows
• Chart screenshots in marketing: full-width on mobile, 2-col on desktop
• Decorative illustrations: rare; when used, locked to a single accent illustration per landing surface (no illustration overload — data is the visual)

9. Agent Prompt Guide

Quick Color Reference

• Primary CTA: Salad Green (#04c584)
• Hover: Hover Green (#10df99)
• Page background: White (#ffffff)
• Surface alt: Off-white (#fbfbfb)
• Neutral surface: (#f5f5f5)
• Heading text: Warm near-black (#2b2b2b)
• Body text: (#434444)
• Caption: (#7b7b7b)
• Placeholder: (#999999)
• Border: (#e1e1e1)
• Focus background tint: Mint (#f3fdfa)
• Chart series: #34464b / #5c818a / #1c6c73 / #a7c7cf
• Error: #fe493d
• Warning: #fd8700 / #f56200

Example Component Prompts

• "Create a Banksalad-style primary CTA: #04c584 background, white text, 2px border-radius (not 12px), 700-weight Pretendard at 16px, 12px 24px padding, 42px height. Hover lightens to #10df99."
• "Design a card-recommendation row: white background, 1px solid #e1e1e1 border, 2px radius, 20px 24px padding, shadow 0 2px 5px rgba(0,0,0,.12). Card logo 32px left, title 16px/700 #2b2b2b, three filter chips below (#f3fdfa bg, #04c584 text, 41px radius, 12px/500), annual-fee figure right-aligned 18px/700 with '원' suffix in 500."
• "Build a focused amount input: 2px border #f5f5f5, on focus border #10df99 and background #f3fdfa. Text 22px/700 right-aligned, #2b2b2b, won unit in 500 weight following the digits."
• "Create a data chart: white background, axis labels 10px/500 #7b7b7b, gridlines 1px dashed #e1e1e1. Series 1 #34464b, series 2 #5c818a, series 3 #1c6c73. User's own data point in #04c584 to make 'your value' pop against neutral teal-slate."
• "Design a transaction table row: alternating #ffffff / #fbfbfb background, 12px 16px padding, 1px solid #e1e1e1 bottom border. Date column 14px/500 #7b7b7b, merchant 14px/500 #434444, amount right-aligned 14px/700 — #2b2b2b for positive, #fe493d for negative."

Iteration Guide

1. Default radius is 2px. If the AI produces 12px or 16px corners, reject — that's Toss, not Banksalad.
2. Default weight is 700 for anything important. Headings, CTAs, financial amounts. 500 for body. Never 400 for body.
3. Green is for interaction only. Never use #04c584 as a generic background fill or decorative element. It always means: the user can tap this, or this is the user's own data.
4. Hover lightens. #04c584 → #10df99 on hover (the opposite of conventional darken-on-hover). This is a signature.
5. Shadows are neutral and single-layer. 0 2px 5px rgba(0,0,0,.12) is the workhorse. No colored shadows.
6. Chart series are teal-slate, not green. #34464b / #5c818a / #1c6c73 / #a7c7cf. Reserve green for the user's own data point.
7. Pretendard is non-negotiable. Always include the full Korean fallback stack. Jua only for marketing display.

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10. Voice & Tone

Current public copy is direct, explanatory, and comparison-oriented. The home page connects financial and health assets; the contents directory names products, benefits, and comparison tasks explicitly; customer-safety copy gives the risk and the next action. This supports a factual Korean product voice, but it does not establish the invented notification, validation, or authenticated-app copy previously included here.

Superseded voice hypotheses — not current official guidance

Context	Tone
CTAs	Imperative, concrete outcome. 내 카드 찾기, 대출 한도 확인하기, 신청하기. Never 시작하기 → with an arrow flourish.
Section headlines	Statement of fact, not a hook. 이번 달 지출 분석 not 이번 달, 얼마나 썼는지 보러 갈까요?.
Recommendations	Justified. Every recommended card or loan has a one-sentence reason next to it (연 30만원 이상 절약될 수 있어요). Never a bare ranked list.
Financial figures	Bare numerals with commas. 1,240,000원. Approximations (약 124만원) are forbidden on primary surfaces.
Success messages	One-line confirmation + the relevant figure. 신용점수가 855점으로 올랐어요. No emoji, no exclamation.
Error / validation	Specific cause + one-line action. 주민등록번호가 일치하지 않아요. 다시 확인해주세요. Never 오류가 발생했습니다.
Empty states	Explain the why, then suggest one next step. 아직 연동된 카드가 없어요. 카드를 연동하면 자동으로 지출 분석이 시작돼요.
Legal / disclosure	Formal ~합니다 endings. Pinned at the bottom of recommendation cards. Treated as part of the product, not a footer afterthought.
Health-asset (DNA, screening)	Same calm advisor voice as finance. No marketing exuberance about "discovering your DNA". Just 이번 검사로 18가지 항목을 확인할 수 있어요.

The table above is a historical hypothesis and is not promoted as an official writing standard. Current verified samples are:

• “금융을 넘어 건강 자산까지” — current home positioning.
• “신용대출, 햇살론, 직장인 대출까지 한 번에 비교하세요” — comparison copy.
• “내 대출금리 조회” — concrete product action.
• “명의 도용 의심 도용사고·보이스피싱 신고 및 행동 요령을 확인하세요” — risk plus next action.

No complete official voice-and-tone manual was found. Push notifications, authenticated errors, sentence-ending rules, and prohibited phrase lists remain unresolved.

11. Brand Narrative

Banksalad's current first-party web presence presents a data-based financial platform spanning product comparison, credit and loan guidance, financial content, customer safety, and a wider health-asset direction. The current home page describes a large comparison inventory and a recommendation engine designed to help people choose favorable products. This reference uses those live statements as the present product narrative and does not rely on third-party founder mythology, funding figures, or fabricated competitive comparisons.

The official BPL publications explain how this product is made. Banksalad describes Product Language as broader than a visual design system: designers and platform engineers share names, abstraction boundaries, component structures, implementation guidance, and examples. BPL emerged alongside a major service redesign, moved collaborative design work to Figma, established ground rules, and maintained versioned libraries and sample applications so platform differences could be reviewed rather than hidden.

BPL's implementation article states “Communication cost is most expensive. Code and Show first, argue after that.” It describes working prototypes, component examples, snapshot testing, and an integral sample app as ways to align design and implementation. These are verified process principles. They do not prove that the colors, radius, or typography observed in 2020 remain current tokens, which is why the current five-surface measurements are reconciled independently.

The current design identity therefore has two evidence layers: an official history of cross-functional product-language practice, and a present web implementation built from white surfaces, Pretendard, green actions, explicit comparison copy, and role-specific geometry. Neither layer is used as a substitute for inaccessible native-app evidence.

12. Principles

1. Share one product language. BPL exists so design and platform teams name and structure the same UI concepts consistently. UI implication: component names and anatomy should map across design and implementation rather than being reinvented per platform.
2. Code and show before abstract debate. The official BPL article uses working prototypes to expose where teams agree or disagree. UI implication: validate a component in a representative screen before promoting a generalized rule.
3. Keep design and implementation structures aligned. BPL describes matching Figma layout structure closely enough that a design change produces a corresponding implementation change. UI implication: avoid premature abstraction that obscures the authored component anatomy.
4. Version the shared language. The official design article describes fixed platform versions, update tracking, and component-list tooling. UI implication: reference claims need dates and surface provenance; old BPL values cannot silently become current web tokens.
5. Test components alone and in realistic composition. BPL used component examples, snapshot tests, and an integral sample app. UI implication: validate both the isolated spec and the assembled product flow.

13. Personas

Banksalad does not publish validated demographic personas in the sources used for this pass. The current public surfaces support task contexts instead:

• A person comparing cards, loans, deposits, or insurance and reading product conditions.
• A person checking whether an interest-rate reduction request may be available.
• A card-detail visitor reading benefits, disclosures, and product metadata.
• A customer looking for fraud, identity-theft, voice-phishing, or mistaken-transfer guidance.
• A reader using the financial contents directory to understand a decision before entering a product flow.

These are observable jobs, not invented people. Names, ages, quotes, income, behavior frequency, and authenticated-app habits require separate user research.

14. States

The 2026-07-12 collector performed zero safe interaction expansions, but its pseudo-state pass did record hover and pressed samples for the 11 header menu links on four surfaces (text #111111 to #13bd7e). This paragraph previously said default render states only (corrected 2026-09-29).

A live probe on 2026-09-29 measured hover, pressed and keyboard focus on six controls. The header link turns #13bd7e; the loan action darkens through a black ::after overlay at opacity 0.04; the two hero pills, the safety link card and the disclosure row do not change; and none of the six shows a visible keyboard focus indication (outline-style: none, nothing else changes). No canonical empty, loading, error, success, or disabled treatment is promoted. The loan accordion was captured in its rendered state, but this does not establish a complete product-state system.

Superseded synthetic state proposals — not verified product facts

State	Treatment
Empty (no linked accounts)	White canvas. Single short paragraph in #434444 body text explaining why the screen is empty (아직 연동된 카드가 없어요. 카드를 연동하면 자동으로 지출 분석이 시작돼요.). One primary CTA in Salad Green (#04c584, 2px radius). No illustration.
Empty (filter cleared)	Single line of #7b7b7b caption (조건에 맞는 결과가 없어요. 필터를 조정해주세요.). No CTA — user adjusts filters themselves.
Empty (no transactions this period)	Two-line message in #434444 explaining the filter scope (선택한 기간에 거래 내역이 없어요. 다른 기간을 선택하거나 카드 연동을 확인해보세요.).
Loading (first paint)	Skeleton blocks at #f5f5f5 matching the final layout exactly. Financial amounts render as --원 placeholders rather than skeleton bars — a skeleton bar that resolves to a number is disorienting; -- is honest. 1s shimmer with 8% white highlight using a linear-gradient sweep.
Loading (refresh / in-place)	Subtle #04c584 2px progress bar at top of the section. Previous values stay visible. Never block the table during refresh.
Error (inline field)	#fe493d 1px border on the input, 12px error text below in #fe493d weight 500. One actionable sentence (주민등록번호가 일치하지 않아요. 다시 확인해주세요.).
Error (recommendation fetch failed)	Inline banner inside the recommendation card area. #fe493d left border, white background, 14px #434444 text explaining what failed + a 다시 시도하기 button in the retry-button style (#10df99 resting → #04c584 on hover). Never a generic toast.
Error (data freshness warning)	Soft warning banner with #fd8700 left accent bar, white background, 13px #7b7b7b text noting the data is N hours stale. Non-blocking — the user can still see the (possibly stale) figures.
Success (action confirmed)	Inline confirmation row in #f3fdfa mint-tint background, #04c584 16px / 700 confirmation text, the relevant figure in 22px / 700 #2b2b2b below. No toast for important actions — they get their own confirmation surface.
Success (passive update)	3s auto-dismiss toast at top-right. #2b2b2b background (NOT brand green — green is reserved for interactive surfaces), white 14px / 500 text, 2px radius, shadow 0 2px 5px rgba(0,0,0,.12). No emoji.
Skeleton	#f5f5f5 blocks at exact final dimensions, 2px radius matching the component being loaded. 1s shimmer. Financial-amount slots show --원, not a bar.
Disabled	Background #e1e1e1, text #acacac, 2px radius preserved. Cursor not-allowed. The geometry stays identical to the enabled state so re-enabling does not shift layout.
Pressed (button)	Inset shadow inset 0 1px 1px rgba(0,0,0,.12) + background shifts by ~5% darker for the press duration. Returns instantly on release (no spring).

15. Motion & Easing

One current public accordion panel exposed a 350ms height/opacity transition using cubic-bezier(0.25, 0.1, 0.25, 1). No broader duration scale, spring policy, chart animation, score count-up, or reduced-motion implementation was verified in this capture. The six controls probed on 2026-09-29 all compute transition: all 0s, so their hover and pressed changes are instant.

Superseded synthetic motion proposals — not verified product facts

Durations:

Token	Value	Use
motion-instant	0ms	State commits, checkbox flips, focus ring appearance
motion-fast	150ms	Hover, focus, button press overlays, inline value updates
motion-standard	250ms	Card expand, dropdown open, tab content switch, modal open
motion-slow	400ms	Page-level transitions, recommendation-card reveal animation
motion-data	600ms	Chart series draw-in, score-bar count-up — slower because the user needs time to read the number

Easings:

Token	Curve	Use
ease-enter	cubic-bezier(0.0, 0.0, 0.2, 1)	Arriving — modals, dropdowns, sheets
ease-exit	cubic-bezier(0.4, 0.0, 1, 1)	Dismissals
ease-standard	cubic-bezier(0.4, 0.0, 0.2, 1)	Two-way transitions, chart draw-in
ease-data	cubic-bezier(0.25, 0.46, 0.45, 0.94)	Score count-up, chart series — eases out gradually so the final value is the calm resting state

Explicitly forbidden. No spring overshoot anywhere. No bounce. No cubic-bezier with a middle control above 1.0. Banksalad's voice is advisor, not delighter — spring-easing reads as a consumer app celebrating a transaction, which is the opposite of the brand promise. Where Toss licenses spring easing only for the money-moved checkmark, Banksalad does not license it at all.

Signature motions.

1. Score count-up. When a credit-score or asset-total updates, the number animates from the previous value to the new value across motion-data (600ms) with ease-data. The duration is deliberately slow — the user is supposed to read the change, not see it flash. The Korean numeric separators (,) re-flow correctly during the count.
2. Chart series draw-in. Time-series charts draw left-to-right in motion-data with ease-standard. The user's own series (#04c584) is drawn last, so the eye lands on the user's own data after the surrounding distribution has been established.
3. Recommendation card reveal. When a fresh recommendation set loads, cards fade in with motion-standard / ease-enter from opacity: 0; translateY(4px). Translate is intentionally small (4px, not 20px) — the cards arrive, they do not fly in.
4. Reduce motion. Under prefers-reduced-motion: reduce, all motion-* tokens collapse to motion-instant. Score count-ups become instant value swaps. Chart draw-ins render their final state immediately. Banksalad remains fully usable; nothing in the product is information-dependent on motion.