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Transparent icon on desktop
Start/Control Panel/System/Advanced/Performance/Settings/Visual Effects/”Use drop shadows for icon labels on the Desktop”
Right click the desktop and select Arrange Icons by. Towards the bottom of that list, uncheck “Lock web items on the desktop.”
Desktop Text Color:
By default in XP, it can’t be manually changed. The text changes on its own from dark to light depending on the color of the background. It is based on the Desktop color not the Wallpaper. The combo is whether or not you are using a wallpaper and what the Desktop color is.
However…if you have Use drop shadows checked for the icon labels, the text will always be white no matter what color the background is.