diff --git a/CHANGELOG.md b/CHANGELOG.md
index 3428dd41a10..b4a077b46af 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -12,6 +12,7 @@ Docs: https://docs.openclaw.ai
 ### Fixes
 
 - Browser/tool: keep explicit AI snapshots from inheriting the efficient role-snapshot default and preserve numeric Playwright AI refs, so `--format ai` remains a real AI snapshot path. Fixes #62550. Thanks @ly85206559.
+- Gateway/config: keep in-process config patch reload comparisons on the resolved source snapshot when `${VAR}` env refs are restored on disk, avoiding false full gateway restarts for unchanged gateway/plugin secrets. Fixes #71208. Thanks @robbiethompson18.
 - Slack/messages: serialize write-client requests and whole outbound sends per target so rapid multi-message Slack replies preserve send order. Fixes #69101. (#69105) Thanks @nightq and @ztexydt-cqh.
 - Slack/messages: keep Slack bot tokens out of internal message-ordering and DM cache keys.
 - Slack/exec approvals: resolve native approval button clicks over the Gateway instead of delivering `/approve ...` as plain agent text, preserving retry buttons if Gateway resolution fails. Fixes #71023. (#71025) Thanks @marusan03.
diff --git a/src/config/io.ts b/src/config/io.ts
index 9409faf1f1b..5d17a4a2bab 100644
--- a/src/config/io.ts
+++ b/src/config/io.ts
@@ -2050,7 +2050,6 @@ export async function writeConfigFile(
   ) {
     return;
   }
-  const committedSourceConfig = writeResult.persistedConfig ?? nextCfg;
   const notifyCommittedWrite = () => {
     const currentRuntimeConfig = getRuntimeConfigSnapshotState();
     if (!currentRuntimeConfig) {
@@ -2058,7 +2057,7 @@ export async function writeConfigFile(
     }
     notifyRuntimeConfigWriteListeners({
       configPath: io.configPath,
-      sourceConfig: committedSourceConfig,
+      sourceConfig: nextCfg,
       runtimeConfig: currentRuntimeConfig,
       persistedHash: writeResult.persistedHash,
       writtenAtMs: Date.now(),
@@ -2067,7 +2066,7 @@ export async function writeConfigFile(
   // Keep the last-known-good runtime snapshot active until the specialized refresh path
   // succeeds, so concurrent readers do not observe unresolved SecretRefs mid-refresh.
   await finalizeRuntimeSnapshotWrite({
-    nextSourceConfig: committedSourceConfig,
+    nextSourceConfig: nextCfg,
     hadRuntimeSnapshot,
     hadBothSnapshots,
     loadFreshConfig: () => io.loadConfig(),
diff --git a/src/config/io.write-config.test.ts b/src/config/io.write-config.test.ts
index c7dd0f3ed22..3e3c03f7040 100644
--- a/src/config/io.write-config.test.ts
+++ b/src/config/io.write-config.test.ts
@@ -5,6 +5,7 @@ import type { PluginManifestRegistry } from "../plugins/manifest-registry.js";
 import { createSuiteTempRootTracker } from "../test-helpers/temp-dir.js";
 import {
   createConfigIO,
+  registerConfigWriteListener,
   resetConfigRuntimeState,
   setRuntimeConfigSnapshot,
   writeConfigFile,
@@ -532,4 +533,92 @@ describe("config io write", () => {
       }
     });
   });
+
+  it("notifies in-process reloaders with resolved source config when persisted env refs are restored", async () => {
+    await withSuiteHome(async (home) => {
+      const configPath = path.join(home, ".openclaw", "openclaw.json");
+      const previousConfigPath = process.env.OPENCLAW_CONFIG_PATH;
+      const previousGatewayToken = process.env.OPENCLAW_GATEWAY_TOKEN;
+      process.env.OPENCLAW_CONFIG_PATH = configPath;
+      process.env.OPENCLAW_GATEWAY_TOKEN = "gateway-token-runtime";
+      await fs.mkdir(path.dirname(configPath), { recursive: true });
+      await fs.writeFile(
+        configPath,
+        `${JSON.stringify(
+          {
+            gateway: {
+              mode: "local",
+              auth: { mode: "token", token: "${OPENCLAW_GATEWAY_TOKEN}" },
+            },
+            agents: { defaults: { model: { primary: "openai/gpt-5.4" } } },
+          },
+          null,
+          2,
+        )}\n`,
+        "utf-8",
+      );
+      const observedSources: unknown[] = [];
+      const unsubscribe = registerConfigWriteListener((event) => {
+        observedSources.push(event.sourceConfig);
+      });
+
+      try {
+        setRuntimeConfigSnapshot(
+          {
+            gateway: {
+              mode: "local",
+              auth: { mode: "token", token: "gateway-token-runtime" },
+            },
+            agents: { defaults: { model: { primary: "openai/gpt-5.4" } } },
+          },
+          {
+            gateway: {
+              mode: "local",
+              auth: { mode: "token", token: "gateway-token-runtime" },
+            },
+            agents: { defaults: { model: { primary: "openai/gpt-5.4" } } },
+          },
+        );
+
+        await writeConfigFile({
+          gateway: {
+            mode: "local",
+            auth: { mode: "token", token: "gateway-token-runtime" },
+          },
+          agents: { defaults: { model: { primary: "openrouter/anthropic/claude-sonnet-4.6" } } },
+        });
+
+        expect(JSON.parse(await fs.readFile(configPath, "utf-8"))).toMatchObject({
+          gateway: {
+            auth: { token: "${OPENCLAW_GATEWAY_TOKEN}" },
+          },
+        });
+        expect(observedSources).toEqual([
+          expect.objectContaining({
+            gateway: {
+              mode: "local",
+              auth: { mode: "token", token: "gateway-token-runtime" },
+            },
+            agents: {
+              defaults: {
+                model: { primary: "openrouter/anthropic/claude-sonnet-4.6" },
+              },
+            },
+          }),
+        ]);
+      } finally {
+        unsubscribe();
+        if (previousConfigPath === undefined) {
+          delete process.env.OPENCLAW_CONFIG_PATH;
+        } else {
+          process.env.OPENCLAW_CONFIG_PATH = previousConfigPath;
+        }
+        if (previousGatewayToken === undefined) {
+          delete process.env.OPENCLAW_GATEWAY_TOKEN;
+        } else {
+          process.env.OPENCLAW_GATEWAY_TOKEN = previousGatewayToken;
+        }
+      }
+    });
+  });
 });