The color scheme you select sets the background of Terminal on your computer. There are options available to set a custom image as the background.

As you may or may not know, you can customize the background of a Terminal window in macOS. You can use either a color or an image, and you can also set a transparency level for the selected color or ...

You can easily customize Windows Terminal via different options as well as adding commands/values to the Settings file. One of such customizations is adding blurred transparency to Windows Terminal.