diff --git a/extensions/matrix/src/onboarding.test.ts b/extensions/matrix/src/onboarding.test.ts
index a4ce2e55f1a..d956558c72c 100644
--- a/extensions/matrix/src/onboarding.test.ts
+++ b/extensions/matrix/src/onboarding.test.ts
@@ -263,4 +263,35 @@ describe("matrix onboarding", () => {
     expect(result.cfg.channels?.["matrix"]?.dm).toBeUndefined();
     expect(result.cfg.channels?.["matrix"]?.groups).toBeUndefined();
   });
+
+  it("reports account-scoped DM config keys for named accounts", () => {
+    const resolveConfigKeys = matrixOnboardingAdapter.dmPolicy?.resolveConfigKeys;
+    expect(resolveConfigKeys).toBeDefined();
+    if (!resolveConfigKeys) {
+      return;
+    }
+
+    expect(
+      resolveConfigKeys(
+        {
+          channels: {
+            matrix: {
+              accounts: {
+                default: {
+                  homeserver: "https://matrix.main.example.org",
+                },
+                ops: {
+                  homeserver: "https://matrix.ops.example.org",
+                },
+              },
+            },
+          },
+        } as CoreConfig,
+        "ops",
+      ),
+    ).toEqual({
+      policyKey: "channels.matrix.accounts.ops.dm.policy",
+      allowFromKey: "channels.matrix.accounts.ops.dm.allowFrom",
+    });
+  });
 });
diff --git a/extensions/matrix/src/onboarding.ts b/extensions/matrix/src/onboarding.ts
index 9fcdecd29a1..c962095a5ae 100644
--- a/extensions/matrix/src/onboarding.ts
+++ b/extensions/matrix/src/onboarding.ts
@@ -24,7 +24,7 @@ import {
   hasReadyMatrixEnvAuth,
   resolveScopedMatrixEnvConfig,
 } from "./matrix/client.js";
-import { updateMatrixAccountConfig } from "./matrix/config-update.js";
+import { resolveMatrixConfigPath, updateMatrixAccountConfig } from "./matrix/config-update.js";
 import { ensureMatrixSdkInstalled, isMatrixSdkAvailable } from "./matrix/deps.js";
 import { resolveMatrixTargets } from "./resolve-targets.js";
 import type { CoreConfig } from "./types.js";
@@ -175,6 +175,16 @@ const dmPolicy: ChannelOnboardingDmPolicy = {
   channel,
   policyKey: "channels.matrix.dm.policy",
   allowFromKey: "channels.matrix.dm.allowFrom",
+  resolveConfigKeys: (cfg, accountId) => {
+    const basePath = resolveMatrixConfigPath(
+      cfg as CoreConfig,
+      resolveMatrixOnboardingAccountId(cfg as CoreConfig, accountId),
+    );
+    return {
+      policyKey: `${basePath}.dm.policy`,
+      allowFromKey: `${basePath}.dm.allowFrom`,
+    };
+  },
   getCurrent: (cfg, accountId) =>
     resolveMatrixAccountConfig({
       cfg: cfg as CoreConfig,
diff --git a/src/channels/plugins/onboarding-types.ts b/src/channels/plugins/onboarding-types.ts
index faf1006203f..44e2a45a92b 100644
--- a/src/channels/plugins/onboarding-types.ts
+++ b/src/channels/plugins/onboarding-types.ts
@@ -75,6 +75,10 @@ export type ChannelOnboardingDmPolicy = {
   channel: ChannelId;
   policyKey: string;
   allowFromKey: string;
+  resolveConfigKeys?: (
+    cfg: OpenClawConfig,
+    accountId?: string,
+  ) => { policyKey: string; allowFromKey: string };
   getCurrent: (cfg: OpenClawConfig, accountId?: string) => DmPolicy;
   setPolicy: (cfg: OpenClawConfig, policy: DmPolicy, accountId?: string) => OpenClawConfig;
   promptAllowFrom?: (params: {
diff --git a/src/commands/onboard-channels.ts b/src/commands/onboard-channels.ts
index 3a154552395..92094f818b1 100644
--- a/src/commands/onboard-channels.ts
+++ b/src/commands/onboard-channels.ts
@@ -247,12 +247,16 @@ async function maybeConfigureDmPolicies(params: {
   let cfg = params.cfg;
   const selectPolicy = async (policy: ChannelOnboardingDmPolicy) => {
     const accountId = accountIdsByChannel?.get(policy.channel);
+    const { policyKey, allowFromKey } = policy.resolveConfigKeys?.(cfg, accountId) ?? {
+      policyKey: policy.policyKey,
+      allowFromKey: policy.allowFromKey,
+    };
     await prompter.note(
       [
         "Default: pairing (unknown DMs get a pairing code).",
         `Approve: ${formatCliCommand(`openclaw pairing approve ${policy.channel} <code>`)}`,
-        `Allowlist DMs: ${policy.policyKey}="allowlist" + ${policy.allowFromKey} entries.`,
-        `Public DMs: ${policy.policyKey}="open" + ${policy.allowFromKey} includes "*".`,
+        `Allowlist DMs: ${policyKey}="allowlist" + ${allowFromKey} entries.`,
+        `Public DMs: ${policyKey}="open" + ${allowFromKey} includes "*".`,
         "Multi-user DMs: run: " +
           formatCliCommand('openclaw config set session.dmScope "per-channel-peer"') +
           ' (or "per-account-channel-peer" for multi-account channels) to isolate sessions.',