diff --git a/CHANGELOG.md b/CHANGELOG.md
index 86f9e8a6a79..a79c30baba8 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -6,6 +6,7 @@ Docs: https://docs.openclaw.ai
 
 ### Fixes
 
+- Security/Config writes: block reserved prototype keys in account-id normalization and route account config resolution through own-key lookups, hardening `/allowlist` and account-scoped config paths against prototype-chain pollution.
 - Security/Exec: harden `safeBins` long-option validation by rejecting unknown/ambiguous GNU long-option abbreviations and denying sort filesystem-dependent flags (`--random-source`, `--temporary-directory`, `-T`), closing safe-bin denylist bypasses. Thanks @jiseoung.
 
 ## 2026.2.23 (Unreleased)
diff --git a/src/auto-reply/chunk.ts b/src/auto-reply/chunk.ts
index a40eebb82cb..780d57a1f5b 100644
--- a/src/auto-reply/chunk.ts
+++ b/src/auto-reply/chunk.ts
@@ -5,6 +5,7 @@
 import type { ChannelId } from "../channels/plugins/types.js";
 import type { OpenClawConfig } from "../config/config.js";
 import { findFenceSpanAt, isSafeFenceBreak, parseFenceSpans } from "../markdown/fences.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 import { chunkTextByBreakResolver } from "../shared/text-chunking.js";
 import { INTERNAL_MESSAGE_CHANNEL } from "../utils/message-channel.js";
@@ -39,17 +40,10 @@ function resolveChunkLimitForProvider(
   const normalizedAccountId = normalizeAccountId(accountId);
   const accounts = cfgSection.accounts;
   if (accounts && typeof accounts === "object") {
-    const direct = accounts[normalizedAccountId];
+    const direct = resolveAccountEntry(accounts, normalizedAccountId);
     if (typeof direct?.textChunkLimit === "number") {
       return direct.textChunkLimit;
     }
-    const matchKey = Object.keys(accounts).find(
-      (key) => key.toLowerCase() === normalizedAccountId.toLowerCase(),
-    );
-    const match = matchKey ? accounts[matchKey] : undefined;
-    if (typeof match?.textChunkLimit === "number") {
-      return match.textChunkLimit;
-    }
   }
   return cfgSection.textChunkLimit;
 }
@@ -89,17 +83,10 @@ function resolveChunkModeForProvider(
   const normalizedAccountId = normalizeAccountId(accountId);
   const accounts = cfgSection.accounts;
   if (accounts && typeof accounts === "object") {
-    const direct = accounts[normalizedAccountId];
+    const direct = resolveAccountEntry(accounts, normalizedAccountId);
     if (direct?.chunkMode) {
       return direct.chunkMode;
     }
-    const matchKey = Object.keys(accounts).find(
-      (key) => key.toLowerCase() === normalizedAccountId.toLowerCase(),
-    );
-    const match = matchKey ? accounts[matchKey] : undefined;
-    if (match?.chunkMode) {
-      return match.chunkMode;
-    }
   }
   return cfgSection.chunkMode;
 }
diff --git a/src/auto-reply/reply/block-streaming.ts b/src/auto-reply/reply/block-streaming.ts
index 4dfd5bb92df..318da982238 100644
--- a/src/auto-reply/reply/block-streaming.ts
+++ b/src/auto-reply/reply/block-streaming.ts
@@ -2,6 +2,7 @@ import { getChannelDock } from "../../channels/dock.js";
 import { normalizeChannelId } from "../../channels/plugins/index.js";
 import type { OpenClawConfig } from "../../config/config.js";
 import type { BlockStreamingCoalesceConfig } from "../../config/types.js";
+import { resolveAccountEntry } from "../../routing/account-lookup.js";
 import { normalizeAccountId } from "../../routing/session-key.js";
 import {
   INTERNAL_MESSAGE_CHANNEL,
@@ -45,7 +46,7 @@ function resolveProviderBlockStreamingCoalesce(params: {
   }
   const normalizedAccountId = normalizeAccountId(accountId);
   const typed = providerCfg as ProviderBlockStreamingConfig;
-  const accountCfg = typed.accounts?.[normalizedAccountId];
+  const accountCfg = resolveAccountEntry(typed.accounts, normalizedAccountId);
   return accountCfg?.blockStreamingCoalesce ?? typed.blockStreamingCoalesce;
 }
 
diff --git a/src/auto-reply/reply/commands-allowlist.ts b/src/auto-reply/reply/commands-allowlist.ts
index 8bc5efb5152..1ba35827f0c 100644
--- a/src/auto-reply/reply/commands-allowlist.ts
+++ b/src/auto-reply/reply/commands-allowlist.ts
@@ -12,12 +12,17 @@ import {
 import { resolveDiscordAccount } from "../../discord/accounts.js";
 import { resolveDiscordUserAllowlist } from "../../discord/resolve-users.js";
 import { resolveIMessageAccount } from "../../imessage/accounts.js";
+import { isBlockedObjectKey } from "../../infra/prototype-keys.js";
 import {
   addChannelAllowFromStoreEntry,
   readChannelAllowFromStore,
   removeChannelAllowFromStoreEntry,
 } from "../../pairing/pairing-store.js";
-import { DEFAULT_ACCOUNT_ID, normalizeAccountId } from "../../routing/session-key.js";
+import {
+  DEFAULT_ACCOUNT_ID,
+  normalizeAccountId,
+  normalizeOptionalAccountId,
+} from "../../routing/session-key.js";
 import { resolveSignalAccount } from "../../signal/accounts.js";
 import { resolveSlackAccount } from "../../slack/accounts.js";
 import { resolveSlackUserAllowlist } from "../../slack/resolve-users.js";
@@ -199,13 +204,22 @@ function resolveAccountTarget(
   const channels = (parsed.channels ??= {}) as Record<string, unknown>;
   const channel = (channels[channelId] ??= {}) as Record<string, unknown>;
   const normalizedAccountId = normalizeAccountId(accountId);
+  if (isBlockedObjectKey(normalizedAccountId)) {
+    return { target: channel, pathPrefix: `channels.${channelId}`, accountId: DEFAULT_ACCOUNT_ID };
+  }
   const hasAccounts = Boolean(channel.accounts && typeof channel.accounts === "object");
   const useAccount = normalizedAccountId !== DEFAULT_ACCOUNT_ID || hasAccounts;
   if (!useAccount) {
     return { target: channel, pathPrefix: `channels.${channelId}`, accountId: normalizedAccountId };
   }
   const accounts = (channel.accounts ??= {}) as Record<string, unknown>;
-  const account = (accounts[normalizedAccountId] ??= {}) as Record<string, unknown>;
+  const existingAccount = Object.hasOwn(accounts, normalizedAccountId)
+    ? accounts[normalizedAccountId]
+    : undefined;
+  if (!existingAccount || typeof existingAccount !== "object") {
+    accounts[normalizedAccountId] = {};
+  }
+  const account = accounts[normalizedAccountId] as Record<string, unknown>;
   return {
     target: account,
     pathPrefix: `channels.${channelId}.accounts.${normalizedAccountId}`,
@@ -361,6 +375,14 @@ export const handleAllowlistCommand: CommandHandler = async (params, allowTextCo
       reply: { text: "⚠️ Unknown channel. Add channel=<id> to the command." },
     };
   }
+  if (parsed.account?.trim() && !normalizeOptionalAccountId(parsed.account)) {
+    return {
+      shouldContinue: false,
+      reply: {
+        text: "⚠️ Invalid account id. Reserved keys (__proto__, constructor, prototype) are blocked.",
+      },
+    };
+  }
   const accountId = normalizeAccountId(parsed.account ?? params.ctx.AccountId);
   const scope = parsed.scope;
 
diff --git a/src/auto-reply/reply/commands.test.ts b/src/auto-reply/reply/commands.test.ts
index a402f8dd42b..0c4d40ec7eb 100644
--- a/src/auto-reply/reply/commands.test.ts
+++ b/src/auto-reply/reply/commands.test.ts
@@ -645,6 +645,22 @@ describe("handleCommands /allowlist", () => {
     expect(result.reply?.text).toContain("DM allowlist added");
   });
 
+  it("rejects blocked account ids and keeps Object.prototype clean", async () => {
+    delete (Object.prototype as Record<string, unknown>).allowFrom;
+
+    const cfg = {
+      commands: { text: true, config: true },
+      channels: { telegram: { allowFrom: ["123"] } },
+    } as OpenClawConfig;
+    const params = buildPolicyParams("/allowlist add dm --account __proto__ 789", cfg);
+    const result = await handleCommands(params);
+
+    expect(result.shouldContinue).toBe(false);
+    expect(result.reply?.text).toContain("Invalid account id");
+    expect((Object.prototype as Record<string, unknown>).allowFrom).toBeUndefined();
+    expect(writeConfigFileMock).not.toHaveBeenCalled();
+  });
+
   it("removes DM allowlist entries from canonical allowFrom and deletes legacy dm.allowFrom", async () => {
     const cases = [
       {
diff --git a/src/channels/plugins/config-writes.ts b/src/channels/plugins/config-writes.ts
index 6b86bdd495a..87e220d7029 100644
--- a/src/channels/plugins/config-writes.ts
+++ b/src/channels/plugins/config-writes.ts
@@ -1,4 +1,5 @@
 import type { OpenClawConfig } from "../../config/config.js";
+import { resolveAccountEntry } from "../../routing/account-lookup.js";
 import { normalizeAccountId } from "../../routing/session-key.js";
 import type { ChannelId } from "./types.js";
 
@@ -8,16 +9,7 @@ type ChannelConfigWithAccounts = {
 };
 
 function resolveAccountConfig(accounts: ChannelConfigWithAccounts["accounts"], accountId: string) {
-  if (!accounts || typeof accounts !== "object") {
-    return undefined;
-  }
-  if (accountId in accounts) {
-    return accounts[accountId];
-  }
-  const matchKey = Object.keys(accounts).find(
-    (key) => key.toLowerCase() === accountId.toLowerCase(),
-  );
-  return matchKey ? accounts[matchKey] : undefined;
+  return resolveAccountEntry(accounts, accountId);
 }
 
 export function resolveChannelConfigWrites(params: {
diff --git a/src/config/channel-capabilities.ts b/src/config/channel-capabilities.ts
index 7e5bd75461c..0e66f755e3b 100644
--- a/src/config/channel-capabilities.ts
+++ b/src/config/channel-capabilities.ts
@@ -1,4 +1,5 @@
 import { normalizeChannelId } from "../channels/plugins/index.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 import type { OpenClawConfig } from "./config.js";
 import type { TelegramCapabilitiesConfig } from "./types.telegram.js";
@@ -32,14 +33,7 @@ function resolveAccountCapabilities(params: {
 
   const accounts = cfg.accounts;
   if (accounts && typeof accounts === "object") {
-    const direct = accounts[normalizedAccountId];
-    if (direct) {
-      return normalizeCapabilities(direct.capabilities) ?? normalizeCapabilities(cfg.capabilities);
-    }
-    const matchKey = Object.keys(accounts).find(
-      (key) => key.toLowerCase() === normalizedAccountId.toLowerCase(),
-    );
-    const match = matchKey ? accounts[matchKey] : undefined;
+    const match = resolveAccountEntry(accounts, normalizedAccountId);
     if (match) {
       return normalizeCapabilities(match.capabilities) ?? normalizeCapabilities(cfg.capabilities);
     }
diff --git a/src/config/group-policy.ts b/src/config/group-policy.ts
index 2c5c4b7aa62..fe8b1542a12 100644
--- a/src/config/group-policy.ts
+++ b/src/config/group-policy.ts
@@ -1,4 +1,5 @@
 import type { ChannelId } from "../channels/plugins/types.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 import type { OpenClawConfig } from "./config.js";
 import {
@@ -293,13 +294,7 @@ function resolveChannelGroups(
   if (!channelConfig) {
     return undefined;
   }
-  const accountGroups =
-    channelConfig.accounts?.[normalizedAccountId]?.groups ??
-    channelConfig.accounts?.[
-      Object.keys(channelConfig.accounts ?? {}).find(
-        (key) => key.toLowerCase() === normalizedAccountId.toLowerCase(),
-      ) ?? ""
-    ]?.groups;
+  const accountGroups = resolveAccountEntry(channelConfig.accounts, normalizedAccountId)?.groups;
   return accountGroups ?? channelConfig.groups;
 }
 
@@ -320,13 +315,10 @@ function resolveChannelGroupPolicyMode(
   if (!channelConfig) {
     return undefined;
   }
-  const accountPolicy =
-    channelConfig.accounts?.[normalizedAccountId]?.groupPolicy ??
-    channelConfig.accounts?.[
-      Object.keys(channelConfig.accounts ?? {}).find(
-        (key) => key.toLowerCase() === normalizedAccountId.toLowerCase(),
-      ) ?? ""
-    ]?.groupPolicy;
+  const accountPolicy = resolveAccountEntry(
+    channelConfig.accounts,
+    normalizedAccountId,
+  )?.groupPolicy;
   return accountPolicy ?? channelConfig.groupPolicy;
 }
 
diff --git a/src/config/markdown-tables.ts b/src/config/markdown-tables.ts
index 8815a90b139..2095cd87b33 100644
--- a/src/config/markdown-tables.ts
+++ b/src/config/markdown-tables.ts
@@ -1,4 +1,5 @@
 import { normalizeChannelId } from "../channels/plugins/index.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 import type { OpenClawConfig } from "./config.js";
 import type { MarkdownTableMode } from "./types.base.js";
@@ -31,15 +32,7 @@ function resolveMarkdownModeFromSection(
   const normalizedAccountId = normalizeAccountId(accountId);
   const accounts = section.accounts;
   if (accounts && typeof accounts === "object") {
-    const direct = accounts[normalizedAccountId];
-    const directMode = direct?.markdown?.tables;
-    if (isMarkdownTableMode(directMode)) {
-      return directMode;
-    }
-    const matchKey = Object.keys(accounts).find(
-      (key) => key.toLowerCase() === normalizedAccountId.toLowerCase(),
-    );
-    const match = matchKey ? accounts[matchKey] : undefined;
+    const match = resolveAccountEntry(accounts, normalizedAccountId);
     const matchMode = match?.markdown?.tables;
     if (isMarkdownTableMode(matchMode)) {
       return matchMode;
diff --git a/src/config/prototype-keys.ts b/src/config/prototype-keys.ts
index 9762aae019a..3ba47c293ef 100644
--- a/src/config/prototype-keys.ts
+++ b/src/config/prototype-keys.ts
@@ -1,5 +1 @@
-const BLOCKED_OBJECT_KEYS = new Set(["__proto__", "prototype", "constructor"]);
-
-export function isBlockedObjectKey(key: string): boolean {
-  return BLOCKED_OBJECT_KEYS.has(key);
-}
+export { isBlockedObjectKey } from "../infra/prototype-keys.js";
diff --git a/src/discord/accounts.ts b/src/discord/accounts.ts
index a5810de247d..33731b4260d 100644
--- a/src/discord/accounts.ts
+++ b/src/discord/accounts.ts
@@ -2,6 +2,7 @@ import { createAccountActionGate } from "../channels/plugins/account-action-gate
 import { createAccountListHelpers } from "../channels/plugins/account-helpers.js";
 import type { OpenClawConfig } from "../config/config.js";
 import type { DiscordAccountConfig, DiscordActionConfig } from "../config/types.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 import { resolveDiscordToken } from "./token.js";
 
@@ -22,11 +23,7 @@ function resolveAccountConfig(
   cfg: OpenClawConfig,
   accountId: string,
 ): DiscordAccountConfig | undefined {
-  const accounts = cfg.channels?.discord?.accounts;
-  if (!accounts || typeof accounts !== "object") {
-    return undefined;
-  }
-  return accounts[accountId] as DiscordAccountConfig | undefined;
+  return resolveAccountEntry(cfg.channels?.discord?.accounts, accountId);
 }
 
 function mergeDiscordAccountConfig(cfg: OpenClawConfig, accountId: string): DiscordAccountConfig {
diff --git a/src/discord/draft-chunking.ts b/src/discord/draft-chunking.ts
index f238ed472af..76231bc8397 100644
--- a/src/discord/draft-chunking.ts
+++ b/src/discord/draft-chunking.ts
@@ -1,6 +1,7 @@
 import { resolveTextChunkLimit } from "../auto-reply/chunk.js";
 import { getChannelDock } from "../channels/dock.js";
 import type { OpenClawConfig } from "../config/config.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 
 const DEFAULT_DISCORD_DRAFT_STREAM_MIN = 200;
@@ -19,9 +20,8 @@ export function resolveDiscordDraftStreamingChunking(
     fallbackLimit: providerChunkLimit,
   });
   const normalizedAccountId = normalizeAccountId(accountId);
-  const draftCfg =
-    cfg?.channels?.discord?.accounts?.[normalizedAccountId]?.draftChunk ??
-    cfg?.channels?.discord?.draftChunk;
+  const accountCfg = resolveAccountEntry(cfg?.channels?.discord?.accounts, normalizedAccountId);
+  const draftCfg = accountCfg?.draftChunk ?? cfg?.channels?.discord?.draftChunk;
 
   const maxRequested = Math.max(
     1,
diff --git a/src/imessage/accounts.ts b/src/imessage/accounts.ts
index 6c812ee68a8..d0ed6a9218c 100644
--- a/src/imessage/accounts.ts
+++ b/src/imessage/accounts.ts
@@ -1,6 +1,7 @@
 import { createAccountListHelpers } from "../channels/plugins/account-helpers.js";
 import type { OpenClawConfig } from "../config/config.js";
 import type { IMessageAccountConfig } from "../config/types.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 
 export type ResolvedIMessageAccount = {
@@ -19,11 +20,7 @@ function resolveAccountConfig(
   cfg: OpenClawConfig,
   accountId: string,
 ): IMessageAccountConfig | undefined {
-  const accounts = cfg.channels?.imessage?.accounts;
-  if (!accounts || typeof accounts !== "object") {
-    return undefined;
-  }
-  return accounts[accountId] as IMessageAccountConfig | undefined;
+  return resolveAccountEntry(cfg.channels?.imessage?.accounts, accountId);
 }
 
 function mergeIMessageAccountConfig(cfg: OpenClawConfig, accountId: string): IMessageAccountConfig {
diff --git a/src/infra/prototype-keys.ts b/src/infra/prototype-keys.ts
new file mode 100644
index 00000000000..9762aae019a
--- /dev/null
+++ b/src/infra/prototype-keys.ts
@@ -0,0 +1,5 @@
+const BLOCKED_OBJECT_KEYS = new Set(["__proto__", "prototype", "constructor"]);
+
+export function isBlockedObjectKey(key: string): boolean {
+  return BLOCKED_OBJECT_KEYS.has(key);
+}
diff --git a/src/line/accounts.ts b/src/line/accounts.ts
index c46fcff1791..28a65667342 100644
--- a/src/line/accounts.ts
+++ b/src/line/accounts.ts
@@ -4,6 +4,7 @@ import {
   DEFAULT_ACCOUNT_ID,
   normalizeAccountId as normalizeSharedAccountId,
 } from "../routing/account-id.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import type {
   LineConfig,
   LineAccountConfig,
@@ -104,10 +105,12 @@ export function resolveLineAccount(params: {
   cfg: OpenClawConfig;
   accountId?: string;
 }): ResolvedLineAccount {
-  const { cfg, accountId = DEFAULT_ACCOUNT_ID } = params;
+  const cfg = params.cfg;
+  const accountId = normalizeSharedAccountId(params.accountId);
   const lineConfig = cfg.channels?.line as LineConfig | undefined;
   const accounts = lineConfig?.accounts;
-  const accountConfig = accountId !== DEFAULT_ACCOUNT_ID ? accounts?.[accountId] : undefined;
+  const accountConfig =
+    accountId !== DEFAULT_ACCOUNT_ID ? resolveAccountEntry(accounts, accountId) : undefined;
 
   const { token, tokenSource } = resolveToken({
     accountId,
diff --git a/src/routing/account-id.test.ts b/src/routing/account-id.test.ts
index bdaa45bbaac..4d9250e77ff 100644
--- a/src/routing/account-id.test.ts
+++ b/src/routing/account-id.test.ts
@@ -20,6 +20,15 @@ describe("account id normalization", () => {
     expect(normalizeAccountId(" Prod/US East ")).toBe("prod-us-east");
   });
 
+  it("rejects prototype-pollution key vectors", () => {
+    expect(normalizeAccountId("__proto__")).toBe(DEFAULT_ACCOUNT_ID);
+    expect(normalizeAccountId("constructor")).toBe(DEFAULT_ACCOUNT_ID);
+    expect(normalizeAccountId("prototype")).toBe(DEFAULT_ACCOUNT_ID);
+    expect(normalizeOptionalAccountId("__proto__")).toBeUndefined();
+    expect(normalizeOptionalAccountId("constructor")).toBeUndefined();
+    expect(normalizeOptionalAccountId("prototype")).toBeUndefined();
+  });
+
   it("preserves optional semantics without forcing default", () => {
     expect(normalizeOptionalAccountId(undefined)).toBeUndefined();
     expect(normalizeOptionalAccountId("   ")).toBeUndefined();
diff --git a/src/routing/account-id.ts b/src/routing/account-id.ts
index 9488efebb80..aa561c0bbca 100644
--- a/src/routing/account-id.ts
+++ b/src/routing/account-id.ts
@@ -1,3 +1,5 @@
+import { isBlockedObjectKey } from "../infra/prototype-keys.js";
+
 export const DEFAULT_ACCOUNT_ID = "default";
 
 const VALID_ID_RE = /^[a-z0-9][a-z0-9_-]{0,63}$/i;
@@ -17,12 +19,20 @@ function canonicalizeAccountId(value: string): string {
     .slice(0, 64);
 }
 
+function normalizeCanonicalAccountId(value: string): string | undefined {
+  const canonical = canonicalizeAccountId(value);
+  if (!canonical || isBlockedObjectKey(canonical)) {
+    return undefined;
+  }
+  return canonical;
+}
+
 export function normalizeAccountId(value: string | undefined | null): string {
   const trimmed = (value ?? "").trim();
   if (!trimmed) {
     return DEFAULT_ACCOUNT_ID;
   }
-  return canonicalizeAccountId(trimmed) || DEFAULT_ACCOUNT_ID;
+  return normalizeCanonicalAccountId(trimmed) || DEFAULT_ACCOUNT_ID;
 }
 
 export function normalizeOptionalAccountId(value: string | undefined | null): string | undefined {
@@ -30,5 +40,5 @@ export function normalizeOptionalAccountId(value: string | undefined | null): st
   if (!trimmed) {
     return undefined;
   }
-  return canonicalizeAccountId(trimmed) || undefined;
+  return normalizeCanonicalAccountId(trimmed) || undefined;
 }
diff --git a/src/routing/account-lookup.test.ts b/src/routing/account-lookup.test.ts
new file mode 100644
index 00000000000..1960c8dd692
--- /dev/null
+++ b/src/routing/account-lookup.test.ts
@@ -0,0 +1,19 @@
+import { describe, expect, it } from "vitest";
+import { resolveAccountEntry } from "./account-lookup.js";
+
+describe("resolveAccountEntry", () => {
+  it("resolves direct and case-insensitive account keys", () => {
+    const accounts = {
+      default: { id: "default" },
+      Business: { id: "business" },
+    };
+    expect(resolveAccountEntry(accounts, "default")).toEqual({ id: "default" });
+    expect(resolveAccountEntry(accounts, "business")).toEqual({ id: "business" });
+  });
+
+  it("ignores prototype-chain values", () => {
+    const inherited = { default: { id: "polluted" } };
+    const accounts = Object.create(inherited) as Record<string, { id: string }>;
+    expect(resolveAccountEntry(accounts, "default")).toBeUndefined();
+  });
+});
diff --git a/src/routing/account-lookup.ts b/src/routing/account-lookup.ts
new file mode 100644
index 00000000000..fc891306f67
--- /dev/null
+++ b/src/routing/account-lookup.ts
@@ -0,0 +1,14 @@
+export function resolveAccountEntry<T>(
+  accounts: Record<string, T> | undefined,
+  accountId: string,
+): T | undefined {
+  if (!accounts || typeof accounts !== "object") {
+    return undefined;
+  }
+  if (Object.hasOwn(accounts, accountId)) {
+    return accounts[accountId];
+  }
+  const normalized = accountId.toLowerCase();
+  const matchKey = Object.keys(accounts).find((key) => key.toLowerCase() === normalized);
+  return matchKey ? accounts[matchKey] : undefined;
+}
diff --git a/src/signal/accounts.ts b/src/signal/accounts.ts
index 09267f6c5c1..ed5732b9155 100644
--- a/src/signal/accounts.ts
+++ b/src/signal/accounts.ts
@@ -1,6 +1,7 @@
 import { createAccountListHelpers } from "../channels/plugins/account-helpers.js";
 import type { OpenClawConfig } from "../config/config.js";
 import type { SignalAccountConfig } from "../config/types.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 
 export type ResolvedSignalAccount = {
@@ -20,11 +21,7 @@ function resolveAccountConfig(
   cfg: OpenClawConfig,
   accountId: string,
 ): SignalAccountConfig | undefined {
-  const accounts = cfg.channels?.signal?.accounts;
-  if (!accounts || typeof accounts !== "object") {
-    return undefined;
-  }
-  return accounts[accountId] as SignalAccountConfig | undefined;
+  return resolveAccountEntry(cfg.channels?.signal?.accounts, accountId);
 }
 
 function mergeSignalAccountConfig(cfg: OpenClawConfig, accountId: string): SignalAccountConfig {
diff --git a/src/slack/accounts.ts b/src/slack/accounts.ts
index f5d54b50980..65c49cfaa44 100644
--- a/src/slack/accounts.ts
+++ b/src/slack/accounts.ts
@@ -2,6 +2,7 @@ import { normalizeChatType } from "../channels/chat-type.js";
 import { createAccountListHelpers } from "../channels/plugins/account-helpers.js";
 import type { OpenClawConfig } from "../config/config.js";
 import type { SlackAccountConfig } from "../config/types.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { DEFAULT_ACCOUNT_ID, normalizeAccountId } from "../routing/session-key.js";
 import { resolveSlackAppToken, resolveSlackBotToken } from "./token.js";
 
@@ -37,11 +38,7 @@ function resolveAccountConfig(
   cfg: OpenClawConfig,
   accountId: string,
 ): SlackAccountConfig | undefined {
-  const accounts = cfg.channels?.slack?.accounts;
-  if (!accounts || typeof accounts !== "object") {
-    return undefined;
-  }
-  return accounts[accountId] as SlackAccountConfig | undefined;
+  return resolveAccountEntry(cfg.channels?.slack?.accounts, accountId);
 }
 
 function mergeSlackAccountConfig(cfg: OpenClawConfig, accountId: string): SlackAccountConfig {
diff --git a/src/telegram/accounts.ts b/src/telegram/accounts.ts
index c608eac1987..9df2971801e 100644
--- a/src/telegram/accounts.ts
+++ b/src/telegram/accounts.ts
@@ -4,6 +4,7 @@ import type { OpenClawConfig } from "../config/config.js";
 import type { TelegramAccountConfig, TelegramActionConfig } from "../config/types.js";
 import { isTruthyEnvValue } from "../infra/env.js";
 import { createSubsystemLogger } from "../logging/subsystem.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { listBoundAccountIds, resolveDefaultAgentBoundAccountId } from "../routing/bindings.js";
 import { DEFAULT_ACCOUNT_ID, normalizeAccountId } from "../routing/session-key.js";
 import { resolveTelegramToken } from "./token.js";
@@ -78,17 +79,8 @@ function resolveAccountConfig(
   cfg: OpenClawConfig,
   accountId: string,
 ): TelegramAccountConfig | undefined {
-  const accounts = cfg.channels?.telegram?.accounts;
-  if (!accounts || typeof accounts !== "object") {
-    return undefined;
-  }
-  const direct = accounts[accountId] as TelegramAccountConfig | undefined;
-  if (direct) {
-    return direct;
-  }
   const normalized = normalizeAccountId(accountId);
-  const matchKey = Object.keys(accounts).find((key) => normalizeAccountId(key) === normalized);
-  return matchKey ? (accounts[matchKey] as TelegramAccountConfig | undefined) : undefined;
+  return resolveAccountEntry(cfg.channels?.telegram?.accounts, normalized);
 }
 
 function mergeTelegramAccountConfig(cfg: OpenClawConfig, accountId: string): TelegramAccountConfig {
diff --git a/src/telegram/draft-chunking.ts b/src/telegram/draft-chunking.ts
index e73a76ae8cc..3b4d5e30afb 100644
--- a/src/telegram/draft-chunking.ts
+++ b/src/telegram/draft-chunking.ts
@@ -1,6 +1,7 @@
 import { resolveTextChunkLimit } from "../auto-reply/chunk.js";
 import { getChannelDock } from "../channels/dock.js";
 import type { OpenClawConfig } from "../config/config.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { normalizeAccountId } from "../routing/session-key.js";
 
 const DEFAULT_TELEGRAM_DRAFT_STREAM_MIN = 200;
@@ -19,9 +20,8 @@ export function resolveTelegramDraftStreamingChunking(
     fallbackLimit: providerChunkLimit,
   });
   const normalizedAccountId = normalizeAccountId(accountId);
-  const draftCfg =
-    cfg?.channels?.telegram?.accounts?.[normalizedAccountId]?.draftChunk ??
-    cfg?.channels?.telegram?.draftChunk;
+  const accountCfg = resolveAccountEntry(cfg?.channels?.telegram?.accounts, normalizedAccountId);
+  const draftCfg = accountCfg?.draftChunk ?? cfg?.channels?.telegram?.draftChunk;
 
   const maxRequested = Math.max(
     1,
diff --git a/src/web/accounts.ts b/src/web/accounts.ts
index 41f9f2bd915..52fb5caabeb 100644
--- a/src/web/accounts.ts
+++ b/src/web/accounts.ts
@@ -4,6 +4,7 @@ import { createAccountListHelpers } from "../channels/plugins/account-helpers.js
 import type { OpenClawConfig } from "../config/config.js";
 import { resolveOAuthDir } from "../config/paths.js";
 import type { DmPolicy, GroupPolicy, WhatsAppAccountConfig } from "../config/types.js";
+import { resolveAccountEntry } from "../routing/account-lookup.js";
 import { DEFAULT_ACCOUNT_ID, normalizeAccountId } from "../routing/session-key.js";
 import { resolveUserPath } from "../utils.js";
 import { hasWebCredsSync } from "./auth-store.js";
@@ -68,12 +69,7 @@ function resolveAccountConfig(
   cfg: OpenClawConfig,
   accountId: string,
 ): WhatsAppAccountConfig | undefined {
-  const accounts = cfg.channels?.whatsapp?.accounts;
-  if (!accounts || typeof accounts !== "object") {
-    return undefined;
-  }
-  const entry = accounts[accountId] as WhatsAppAccountConfig | undefined;
-  return entry;
+  return resolveAccountEntry(cfg.channels?.whatsapp?.accounts, accountId);
 }
 
 function resolveDefaultAuthDir(accountId: string): string {