Toss Bank (토스뱅크) DESIGN.md

Overview

Visual Theme & Atmosphere

Toss Bank is a Korean bank whose public site presents banking products, customer information, and a campaign asking people to describe banking experiences worth changing. The public home uses short, benefit-led Korean headlines for accounts, savings, loans, foreign exchange, cards, and always-available support; the campaign’s central line is “은행을 바꾸는 은행.” That combination gives the public-facing work a direct, conversational register rather than the ceremonial tone associated with conventional bank marketing. The live capture nevertheless contains three different source domains: the home is a marketing surface, while product disclosure and protected-products are documentation chrome. They share a loaded typeface and familiar blue/gray values, but neither route is evidence for the authenticated Toss Bank app or for financial-flow components. Toss Bank home · campaign

The group’s official resource center identifies Toss Blue #0064FF and Toss Gray #202632, and includes a Toss Bank affiliate logo. Those are brand-asset facts. The supplied live capture separately shows #3182f6 in public-site text and borders; it is retained as an observed public-surface value, not silently equated with the official logo color. The resulting reference is intentionally narrow: clear typography, sparse borders, and public information controls are verified; account, transfer, card, status, and authenticated-app patterns are not.

Key Characteristics:

• Official Toss brand blue #0064FF and gray #202632 for group identity assets
• Loaded Toss Product Sans across the captured public home and customer-information routes
• #3182f6 observed in public-site control text/borders, alongside neutral documentation colors
• Marketing, documentation chrome, and unobserved authenticated banking flows kept separate
• Only selector-backed public controls are described; app-style cards, forms, and transaction states are omitted

Primary tasks

• Browse bank products across accounts, savings, loans, and cards
• Report an inconvenient banking experience you want changed
• Read the product disclosure and protected-product pages
• Reach a customer center at any hour of the day

Brand Narrative

Toss Bank frames itself publicly as a bank that changes banking: its home lists everyday bank products and services, while its campaign says it is still changing banks and invites people to name the experiences they want improved. The bank’s site also identifies a 24-hour customer center, placing accessibility of assistance alongside its product navigation. Toss Bank home · campaign

Within the wider Toss identity, the official resource center supplies the group’s blue and gray brand assets and an affiliate-logo listing for Toss Bank. This is the right evidence for group identity and logo treatment, not for app-screen behavior or financial-product UI tokens. Brand Resource Center

Principles

1. Make the promised outcome easy to scan. The home groups products by account, savings, loans, foreign exchange, cards, and help. UI implication: public information should use clear categorization before decorative treatment.
2. Ask for a concrete banking problem. The campaign explicitly requests an inconvenient bank experience. UI implication: feedback prompts should ask for one specific experience and clearly say how the response will be used.
3. Separate brand assets from product evidence. Official group color rules and live public CSS answer different questions. UI implication: never convert a logo color or shared design-kit convention into an unobserved banking-flow token.

Personas

The public campaign names customers with roles including self-employed people, office workers, university students, and families. These are examples presented by Toss Bank, not a validated user-research segmentation model. Campaign

Public-source audience cues: people managing everyday accounts, people considering loans or foreign exchange, card users, and people who want to report a frustrating banking experience. No invented personal profiles are included because the current evidence does not support them.

Colors

Official brand assets

• Toss Blue (#0064ff): official Toss brand color, specified by the group resource center for brand use.
• Toss Gray (#202632): official Toss brand gray, also specified by the group resource center.

Observed public surfaces

• Public control blue (#3182f6): repeated public-site text and border value on all three captured routes.
• Canvas (#ffffff): observed documentation-route background.
• Foreground (#212529): repeated public text value across the capture.
• Strong foreground (#191f28): observed on both documentation routes.
• Secondary foreground (#4e5968) and muted text (#6b7684): observed documentation and public-site text values.
• Border (#d1d6db) and hairline (#e5e8eb): observed public-route border values.
• Muted surface (#f2f4f6): observed background on the protected-products route.

Boundary

No captured evidence establishes semantic success/error colors, a universal CTA fill, or a Toss Bank app color system. Brand-asset colors are not promoted to product controls, and the observed public control blue is not presented as a replacement for the official brand color.

Typography

Evidence classes

• Live computed surface-use: Toss Product Sans is the computed family on 672 captured elements across the home and both customer-information routes. The collector reports a matching loaded FontFaceSet entry with 1,536 static.toss.im font-source URLs, so it is the verified public-web family for this reference.
• Official product-use and history: Toss says it developed Toss Product Sans as a product typeface for financial, mobile, and digital contexts, initially with Sandoll and later with Leedotype. This explains the typeface’s financial-context intent but does not establish unobserved Toss Bank app sizes or components. Official typeface history
• Official distributed asset / license boundary: Apps in Toss documentation says the Figma kit uses SF Pro because Toss Product Sans is difficult to distribute as a separate asset, while Toss apps apply Toss Product Sans automatically. The reviewed material does not grant an independent font-file license for this reference. TDS design-tool guidance
• Declared/system families: Tossface, SF Pro, Apple SD Gothic Neo, Roboto, Noto Sans, and emoji families occur in the computed fallback declaration. They have no loaded-font match in the supplied evidence and are not promoted to Toss Bank UI tokens.

Observed hierarchy

Do not substitute SF Pro, Pretendard, Inter, or a system font and label it Toss Product Sans. Conversely, the non-loadable fallback declaration remains useful compatibility context but is not treated as a product font source.

Layout

The supplied desktop capture exposes public marketing and documentation layouts, not an authenticated banking-screen grid. Observed spacing values cluster at 4, 8, 12, 16, and 32px; documentation controls use compact padding while the home pill action uses 18px 32px. A 375px baseline, transaction alignment rules, safe-area behavior, and an app layout grid were not captured and are omitted.

Responsive Behavior

Only a 1440×900 collector viewport was supplied. No mobile viewport, breakpoint, responsive layout change, touch-target policy, or safe-area behavior was observed. Re-verification needs public mobile captures before this reference can describe responsive rules.

Elevation & Depth

The representative public controls have box-shadow: none. No evidence in this run supports a card, sheet, modal, floating-action, or elevation scale. The home article card does move on hover — translateY(-8px) with box-shadow still none (measured 2026-09-29) — so motion stands in for elevation there; it is not an elevation token. Use flat public-surface controls only where their documented source domain applies; do not infer banking-product depth rules.

Values kept in prose

Measured values the DESIGN.md token grammar cannot carry, kept verbatim:

• shadow.none: none

Motion & Easing

Computed transitions read on 2026-09-29 (observations, not tokens): the pill action background 0.15s ease-in; the article card transform 0.15s ease-in, background 0.3s ease-out with its 8px lift; the documentation button, tab, link and header menu all 0s. Reduced-motion behavior was not checked, and motion tokens remain intentionally absent.

Components

Public marketing home

Pill action (pill-action)

• Background: rgba(253,253,254,0.89), a near-white fill at 89% alpha in both the July capture and the 2026-09-29 probe (the opaque #fdfdfe written here earlier dropped the alpha)
• Label: #191f28, 17px / 700 / Toss Product Sans, the visible label span (2026-09-29). The button element's own computed style is #212529 16px / 400
• Radius: 100px
• Padding: 18px 32px
• Hover and pressed: the fill turns opaque #ffffff; only the alpha changes, over background 0.15s ease-in. Focus: no visible indication — outline none and no other compared property changes (Tab 13, measured 2026-09-29)
• Use: home::[data-omd-capture="28"] 자세히 보기, a single public-home action with a 63px rendered height on the dark hero. It is marketing evidence only.

Customer-information documentation chrome

Outline button — observed default

• Text: #4e5968
• Border: 1px solid #4e5968
• Radius: 40px
• Padding: 4px 10px
• Font: 11px / 600 / Toss Product Sans
• Use: surface-2::[data-omd-capture="10"], also repeated on surface-3; 28px rendered height.
• Hover, pressed and keyboard focus: the background turns rgba(217,217,255,0.11) (measured 2026-09-29 in two loads, Tab 12; the July state frames read the same). Focus draws no outline, so this faint tint, roughly 1.03:1 against white (arithmetic), is the only focus signal
• The same-labelled home header button sits in another colour context: #d1d6db text and a 1px solid #e5e8eb border over the dark hero, with the same tint in its July hover and pressed frames (home-outline-button below; not state-read on 2026-09-29)

Documentation tab — observed selected (docs-tab)

• Text: the visible label span reads rgba(2,9,19,0.91) (2026-09-29). The #212529 recorded here earlier is the button element's own colour; a bold copy of the label (#4e5968, 15px / 700) sits at opacity 0 and only reserves width
• Padding: 9px 14px
• Font: 16px / 400 / Toss Product Sans is the button element's computed style; the visible label span's size and weight were not read
• Selected: a child span fills the tab with rgba(2,32,71,0.05) (174.9px × 40px); the button itself stays transparent
• Hover and pressed: no visible change over the tab, 4 descendants and 2 ancestors (measured 2026-09-29, probe tool and cross-check). Focus: Tab 13 reaches it although tabIndex reads -1; no visible indication — no change on the tab, its pseudo-elements, 4 descendants or 3 ancestor levels, border included (fixed probe tool, probe-tool-fix.md; an earlier cross-check agreed)
• Use: surface-2::[data-omd-capture="29"], role="tab" and aria-selected="true"; 40px rendered height.

The July artifact carries hover, pressed and focus state frames for several public buttons but no dialog or menu interaction snapshots (interactionCount: 0). The 2026-09-29 live probe re-measured six controls with real :hover, :active and Tab to :focus-visible; their states are recorded above and below. No authenticated-app button, account card, input, badge, toast, sheet, toggle, error, success, or mobile navigation variant had selector and surface provenance in this update.

Measured and added components (captured 2026-07-12; states measured 2026-09-29)

Every value below is from tossbank.com: the July capture of the home, product-disclosure and protected-products routes, and the 2026-09-29 probe of the home and product-disclosure routes. Nothing here speaks for toss.im or the authenticated app.

Article card (article-card, home)

• Link box 319px × 348px, 20px radius, padding 0 0 32px, transparent, with an overlay gradient linear-gradient(rgba(255,255,255,0.4) 50%, rgba(209,209,253,0.05) 100%); title text #e5e8eb on the dark section; 24 cards
• Hover and pressed: the card lifts translateY(-8px), the gradient becomes rgba(255,255,255,0.3) / rgba(217,217,255,0.11) (the same tint at 0.11 as the documentation button), and the title turns #3182f6. Box-shadow stays none, so the lift is a transform, not elevation; transition transform 0.15s ease-in, background 0.3s ease-out
• Focus: no visible indication — outline none and no other compared property changes on the card, 9 descendants or 2 ancestors (Tab 14, measured 2026-09-29, confirmed by a cross-check)
• The link element's own colour (#007bff, #0056b3 on hover) is a stylesheet default that no visible text renders, so it is not declared as a state

Header menu button (nav-menu, home)

• rgba(253,253,254,0.89) text over the dark hero, 15px / 500 / Toss Product Sans, padding 12px 0, no fill
• Hover and pressed: fg #3182f6. Nine July header buttons agree, and the 2026-09-29 probe read the same on 은행소개. On the documentation routes the same buttons rest at #4e5968 and turn #3182f6 (18 July frames)
• Focus: no visible indication — outline none and no other compared property changes (Tab 3, measured 2026-09-29). The July focus frames also read #3182f6, but they were taken with the pointer still over the control, so they show the hover colour

Regulator link (docs-link, product-disclosure)

• #3182f6, 15px / 400 / Toss Product Sans, padding 0 7px 0 0; nine links
• Hover and pressed: fg #0056b3 (two loads agree). The July logo link shows the same #007bff → #0056b3 pair, which reads like a stylesheet-default link pair (an inference from the values), so #0056b3 is not promoted to tokens.colors
• Focus: the browser's default ring (#005fcc, outline-style auto), not brand (Tab 14, measured 2026-09-29)

Home header outline button (home-outline-button)

• #d1d6db text, 1px solid #e5e8eb border, 40px radius, padding 4px 10px, 28px tall, 11px / 600 over the dark hero: the 시작하기 control in its home colour context
• Hover and pressed: bg rgba(217,217,255,0.11) in its July frames, the tint the documentation button shows in the 2026-09-29 probe. Keyboard focus not measured

Hero carousel arrow (carousel-arrow)

• 64px × 64px, 50% radius, padding 10px, fill rgba(222,222,255,0.19); two arrows, div role="button" outside the Tab order (tabIndex -1). The 2026-09-29 probe survey lists them with the same values. No state was read

Category tag (category-tag)

• #b0b8c1, 12px / 500 / Toss Product Sans, span role="button"; one per article card (24). No state sample

Mega-menu link (submenu-link)

• #191f28, 16px / 700 / Toss Product Sans, padding 12px 0, 48px tall on the documentation routes; the same links read #d1d6db on home. They sit in the DOM before the menu opens. No state sample

Footer link (footer-link)

• #6b7684, 13px / 400 / Toss Product Sans on the documentation routes; the home footer sets the same colour at 11px / 400. No state sample

Protected-products table (data-table)

• Header cells #f2f4f6 with #4e5968 text; body cells #ffffff with #6b7684 text; a 1px solid #d1d6db grid; 41px rows; 14px / 500. No state sample

Five controls have hover, pressed and keyboard focus all measured by the probe tool, cross-checked where noted: the pill action, the article card, the header menu button, the documentation outline button and the regulator link. The documentation tab is a sixth, its focus read by the fixed probe tool with border compared. The pill action, the article card, the header menu button and the documentation tab show no visible keyboard focus at all.

Verified: 2026-07-13 · states re-measured 2026-09-29 (live probe of the tossbank.com home and product-disclosure pages; no toss.im page) Tier 1 sources: https://www.tossbank.com/; https://www.tossbank.com/customer/product-disclosure; https://www.tossbank.com/customer/protected-products; https://brand.toss.im/; https://toss.im/tossfeed/article/beginning-of-tps; https://developers-apps-in-toss.toss.im/design/prepare/design.html; https://www.tossbank.com/ten-million Tier 2 sources: https://getdesign.md/tossbank (attempted; no usable record returned); https://styles.refero.design/?q=tossbank (attempted; no usable record returned) Conflicts unresolved: none

The previous reference inferred a mobile-bank application system from shared TDS patterns. This update retains only source-backed public values and components, while preserving separately confirmed Toss brand and typeface context.

States

Measured 2026-09-29 on tossbank.com (real :hover, :active, and Tab to :focus-visible):

• Hover and pressed. The documentation outline button fills with rgba(217,217,255,0.11); the pill action's fill goes from rgba(253,253,254,0.89) to #ffffff; the header menu button and the article-card title turn #3182f6; the article card lifts translateY(-8px); the regulator link turns #0056b3. The selected documentation tab shows no visible change.
• Focus. The documentation outline button shows only its faint tint; the regulator link shows the browser's default ring; the pill action, the article card, the header menu button and the documentation tab show no visible indication. There is no authored focus ring.
• Selected. The documentation tab (aria-selected="true") carries a rgba(2,32,71,0.05) fill on a child span.

There is no selector-backed empty, loading, error, success, disabled, toast, or skeleton state. Those state specifications are intentionally absent rather than inferred from generic banking conventions.

Do's and Don'ts

Do

• Keep official brand assets (#0064ff, #202632) distinct from live public-interface observations.
• Use Toss Product Sans only when the deployment can load the verified family or is explicitly within its official platform boundary.
• Preserve the marketing-home and customer-information source domains on documented controls.
• Treat the selected documentation tab as a selected documentation state, not a general app tab pattern.

Don't

• Do not turn the observed #3182f6 text/border value into a universal filled banking CTA.
• Do not reuse the public pill action as a transfer, account-opening, or confirmation component.
• Do not invent error, disabled, success, or responsive variants from this artifact; hover, pressed and focus are declared only where §4 records a measurement.
• Do not substitute a system font and call it Toss Product Sans.

Voice & Tone

The official home uses concise, benefit-led Korean phrasing such as “하루만 넣어도 이자가 쌓이는” and “쉽고 간편하게 시작해요.” The campaign directly asks for “바꾸고 싶은 불편한 은행 경험,” then says the bank will use those opinions to make a better bank. This supports a clear, constructive public voice; legal and disclosure wording remains a separate regulated content domain. Home · campaign

Voice samples are quoted/paraphrased from the cited public pages, not a specification for unobserved in-app copy.

Agent Prompt Guide

For a public Toss Bank marketing or customer-information concept, use the verified source boundary: official group blue #0064ff for brand context; observed public control blue #3182f6 only as a text/border observation; neutral text and hairlines; and Toss Product Sans only when it can actually load. Do not generate an account dashboard, money transfer flow, banking status state, or universal TDS component from this reference—the current evidence does not establish them.

Governance

Known Gaps

• Contrast, submenu-link. Text #191f28 on #00000000 measures 1.27:1, below the WCAG AA 4.5:1 minimum for normal-size text. Recorded as measured, not adjusted.