I made the Fractal 1,2 and 3 camo, from basic camos, to be transparent so you can have the 5% bonus by only using your base coats.
Yes you do need to "buy" the camo, price dependent on tier of the tank (tier 1 is 200,000 - tier 10 is 8,000,000 per environment).
Be aware to check the color tint before you buy the camo with the base color that you want. I found that in Forest Fractal 2, in Desert and Snow Fractal 1 are not tinted.
Download: https://drive.google.com/file/d/1ir0r6CrMJqlA79IUsG9L6lOIeuAqUh8k/view?usp=sharing
* Some bots appear white because they use the fractal camo.
*When you buy the camo be careful to buy it with credits not gold.