diff --git a/extensions/discord/src/setup-surface.test.ts b/extensions/discord/src/setup-surface.test.ts
new file mode 100644
index 00000000000..b5b9e507730
--- /dev/null
+++ b/extensions/discord/src/setup-surface.test.ts
@@ -0,0 +1,56 @@
+import type { OpenClawConfig } from "openclaw/plugin-sdk/config-runtime";
+import { describe, expect, it } from "vitest";
+import { discordSetupWizard } from "./setup-surface.js";
+
+describe("discordSetupWizard.dmPolicy", () => {
+  it("reads the named-account DM policy instead of the channel root", () => {
+    expect(
+      discordSetupWizard.dmPolicy?.getCurrent(
+        {
+          channels: {
+            discord: {
+              dmPolicy: "disabled",
+              accounts: {
+                alerts: {
+                  dmPolicy: "allowlist",
+                  token: "discord-token",
+                },
+              },
+            },
+          },
+        } as OpenClawConfig,
+        "alerts",
+      ),
+    ).toBe("allowlist");
+  });
+
+  it("reports account-scoped config keys for named accounts", () => {
+    expect(discordSetupWizard.dmPolicy?.resolveConfigKeys?.({}, "alerts")).toEqual({
+      policyKey: "channels.discord.accounts.alerts.dmPolicy",
+      allowFromKey: "channels.discord.accounts.alerts.allowFrom",
+    });
+  });
+
+  it('writes open policy state to the named account and preserves inherited allowFrom with "*"', () => {
+    const next = discordSetupWizard.dmPolicy?.setPolicy(
+      {
+        channels: {
+          discord: {
+            allowFrom: ["123"],
+            accounts: {
+              alerts: {
+                token: "discord-token",
+              },
+            },
+          },
+        },
+      } as OpenClawConfig,
+      "open",
+      "alerts",
+    );
+
+    expect(next?.channels?.discord?.dmPolicy).toBeUndefined();
+    expect(next?.channels?.discord?.accounts?.alerts?.dmPolicy).toBe("open");
+    expect(next?.channels?.discord?.accounts?.alerts?.allowFrom).toEqual(["123", "*"]);
+  });
+});
diff --git a/extensions/slack/src/setup-surface.test.ts b/extensions/slack/src/setup-surface.test.ts
index 49b67b30c80..8a279b8eef2 100644
--- a/extensions/slack/src/setup-surface.test.ts
+++ b/extensions/slack/src/setup-surface.test.ts
@@ -63,3 +63,58 @@ describe("slackSetupWizard.finalize", () => {
     ).toBe(true);
   });
 });
+
+describe("slackSetupWizard.dmPolicy", () => {
+  it("reads the named-account DM policy instead of the channel root", () => {
+    expect(
+      slackSetupWizard.dmPolicy?.getCurrent(
+        {
+          channels: {
+            slack: {
+              dmPolicy: "disabled",
+              accounts: {
+                alerts: {
+                  dmPolicy: "allowlist",
+                  botToken: "xoxb-alerts",
+                  appToken: "xapp-alerts",
+                },
+              },
+            },
+          },
+        } as OpenClawConfig,
+        "alerts",
+      ),
+    ).toBe("allowlist");
+  });
+
+  it("reports account-scoped config keys for named accounts", () => {
+    expect(slackSetupWizard.dmPolicy?.resolveConfigKeys?.({}, "alerts")).toEqual({
+      policyKey: "channels.slack.accounts.alerts.dmPolicy",
+      allowFromKey: "channels.slack.accounts.alerts.allowFrom",
+    });
+  });
+
+  it('writes open policy state to the named account and preserves inherited allowFrom with "*"', () => {
+    const next = slackSetupWizard.dmPolicy?.setPolicy(
+      {
+        channels: {
+          slack: {
+            allowFrom: ["U123"],
+            accounts: {
+              alerts: {
+                botToken: "xoxb-alerts",
+                appToken: "xapp-alerts",
+              },
+            },
+          },
+        },
+      } as OpenClawConfig,
+      "open",
+      "alerts",
+    );
+
+    expect(next?.channels?.slack?.dmPolicy).toBeUndefined();
+    expect(next?.channels?.slack?.accounts?.alerts?.dmPolicy).toBe("open");
+    expect(next?.channels?.slack?.accounts?.alerts?.allowFrom).toEqual(["U123", "*"]);
+  });
+});
diff --git a/src/channels/plugins/setup-wizard-helpers.test.ts b/src/channels/plugins/setup-wizard-helpers.test.ts
index 8c9d1131e77..763c9a1332e 100644
--- a/src/channels/plugins/setup-wizard-helpers.test.ts
+++ b/src/channels/plugins/setup-wizard-helpers.test.ts
@@ -1509,6 +1509,55 @@ describe("createLegacyCompatChannelDmPolicy", () => {
     expect(next.channels?.slack?.dmPolicy).toBe("open");
     expect(next.channels?.slack?.allowFrom).toEqual(["U123", "*"]);
   });
+
+  it("honors named-account dm policy state and paths", () => {
+    const dmPolicy = createLegacyCompatChannelDmPolicy({
+      label: "Slack",
+      channel: "slack",
+    });
+
+    expect(
+      dmPolicy.getCurrent(
+        {
+          channels: {
+            slack: {
+              dmPolicy: "disabled",
+              accounts: {
+                alerts: {
+                  dmPolicy: "allowlist",
+                },
+              },
+            },
+          },
+        },
+        "alerts",
+      ),
+    ).toBe("allowlist");
+
+    expect(dmPolicy.resolveConfigKeys?.({}, "alerts")).toEqual({
+      policyKey: "channels.slack.accounts.alerts.dmPolicy",
+      allowFromKey: "channels.slack.accounts.alerts.allowFrom",
+    });
+
+    const next = dmPolicy.setPolicy(
+      {
+        channels: {
+          slack: {
+            allowFrom: ["U123"],
+            accounts: {
+              alerts: {},
+            },
+          },
+        },
+      },
+      "open",
+      "alerts",
+    );
+
+    expect(next.channels?.slack?.dmPolicy).toBeUndefined();
+    expect(next.channels?.slack?.accounts?.alerts?.dmPolicy).toBe("open");
+    expect(next.channels?.slack?.accounts?.alerts?.allowFrom).toEqual(["U123", "*"]);
+  });
 });
 
 describe("createTopLevelChannelGroupPolicySetter", () => {
diff --git a/src/channels/plugins/setup-wizard-helpers.ts b/src/channels/plugins/setup-wizard-helpers.ts
index 19cc7b5b9bb..03377895f5c 100644
--- a/src/channels/plugins/setup-wizard-helpers.ts
+++ b/src/channels/plugins/setup-wizard-helpers.ts
@@ -629,30 +629,92 @@ export function createLegacyCompatChannelDmPolicy(params: {
     channel: params.channel,
     policyKey: `channels.${params.channel}.dmPolicy`,
     allowFromKey: `channels.${params.channel}.allowFrom`,
-    getCurrent: (cfg) =>
-      (
-        cfg.channels?.[params.channel] as
+    resolveConfigKeys: (_cfg, accountId) =>
+      accountId && accountId !== DEFAULT_ACCOUNT_ID
+        ? {
+            policyKey: `channels.${params.channel}.accounts.${accountId}.dmPolicy`,
+            allowFromKey: `channels.${params.channel}.accounts.${accountId}.allowFrom`,
+          }
+        : {
+            policyKey: `channels.${params.channel}.dmPolicy`,
+            allowFromKey: `channels.${params.channel}.allowFrom`,
+          },
+    getCurrent: (cfg, accountId) => {
+      const channelConfig =
+        (cfg.channels?.[params.channel] as
           | {
               dmPolicy?: DmPolicy;
               dm?: { policy?: DmPolicy };
+              accounts?: Record<string, { dmPolicy?: DmPolicy; dm?: { policy?: DmPolicy } }>;
             }
-          | undefined
-      )?.dmPolicy ??
-      (
-        cfg.channels?.[params.channel] as
-          | {
-              dmPolicy?: DmPolicy;
-              dm?: { policy?: DmPolicy };
-            }
-          | undefined
-      )?.dm?.policy ??
-      "pairing",
-    setPolicy: (cfg, policy) =>
-      setLegacyChannelDmPolicyWithAllowFrom({
-        cfg,
-        channel: params.channel,
-        dmPolicy: policy,
-      }),
+          | undefined) ?? {};
+      const accountConfig =
+        accountId && accountId !== DEFAULT_ACCOUNT_ID ? channelConfig.accounts?.[accountId] : undefined;
+      return accountConfig?.dmPolicy ??
+        accountConfig?.dm?.policy ??
+        channelConfig.dmPolicy ??
+        channelConfig.dm?.policy ??
+        "pairing";
+    },
+    setPolicy: (cfg, policy, accountId) =>
+      accountId && accountId !== DEFAULT_ACCOUNT_ID
+        ? patchChannelConfigForAccount({
+            cfg,
+            channel: params.channel,
+            accountId,
+            patch: {
+              dmPolicy: policy,
+              ...(policy === "open"
+                ? {
+                    allowFrom: addWildcardAllowFrom(
+                      (
+                        cfg.channels?.[params.channel] as
+                          | {
+                              accounts?: Record<
+                                string,
+                                {
+                                  allowFrom?: Array<string | number>;
+                                  dm?: { allowFrom?: Array<string | number> };
+                                }
+                              >;
+                            }
+                          | undefined
+                      )?.accounts?.[accountId]?.allowFrom ??
+                        (
+                          cfg.channels?.[params.channel] as
+                            | {
+                                allowFrom?: Array<string | number>;
+                                dm?: { allowFrom?: Array<string | number> };
+                              }
+                            | undefined
+                        )?.allowFrom ??
+                        (
+                          cfg.channels?.[params.channel] as
+                            | {
+                                accounts?: Record<
+                                  string,
+                                  { dm?: { allowFrom?: Array<string | number> } }
+                                >;
+                              }
+                            | undefined
+                        )?.accounts?.[accountId]?.dm?.allowFrom ??
+                        (
+                          cfg.channels?.[params.channel] as
+                            | {
+                                dm?: { allowFrom?: Array<string | number> };
+                              }
+                            | undefined
+                        )?.dm?.allowFrom,
+                    ),
+                  }
+                : {}),
+            },
+          })
+        : setLegacyChannelDmPolicyWithAllowFrom({
+            cfg,
+            channel: params.channel,
+            dmPolicy: policy,
+          }),
     ...(params.promptAllowFrom ? { promptAllowFrom: params.promptAllowFrom } : {}),
   };
 }