Looking at the what you designed has a great idea overall. Having the same base colors like others mentioned will bring some problems and I highly recommend going for different colored chips like all the other chip sets you've probably seen.
To speak about the inlay I like the idea, it's something I haven't seen before. The problem with it is that its a bit too busy I think. The white circle you have should go to the edge of the artwork and I personally almost didn't seen the denomination when I first looked at it. If you wanted to add color I was going to say you could choose the shapes you have in black, maybe changed the color of those to have different colors. That wouldn't be a bad idea tbh. The denomination blends in with the stroke and the bevel or gradient that it has going blends in too. You have to think that it isn't that big on the chip itself. You're going to want something that is going to stand out, but can be easily seen in case someone isn't familiar with standard chip colors. I'd like to say adding some color to the artwork in the middle could help make the denomination stand out more, but that's ultimately going to come down to the colors you choose. Thankfully there's a ton of different options you can mess around with because these are going to be ceramics.
I'd say, start with the base colors of the chips first and then go back to revisit the "inlay" part of it. You've got a great idea brewing, just need to focus in on one thing at a time and go through multiple different revisions.