Rule of thumb60 · 30 · 10
Borrowed from interior design, the 60-30-10 rule keeps palettes balanced: one dominant colour for the body, a secondary for belly, face or clothing, and a small accent for cheeks, a scarf or a gem. Add your dark anchor for eyes and outlines on top.
Hello Kitty, created by Yuko Shimizu for Sanrio in 1974, is a masterclass: white body, a red bow, black eyes and a yellow nose. Four colours, instant recognition.
Value & accessContrast before hue
Convert your design to greyscale. If the face disappears into the body, increase the value difference, not the saturation. When your mascot appears next to text, keep that text at a contrast ratio of at least 4.5:1, the WCAG guideline for normal body text.
Colour meanings vary across cultures, so test with your real audience. And keep reference codes in a shared swatch file (or a Pantone match for print) so every artist uses the exact same mint.