diff --git a/src/plugins/capability-provider-runtime.test.ts b/src/plugins/capability-provider-runtime.test.ts
new file mode 100644
index 00000000000..1a17189cfa6
--- /dev/null
+++ b/src/plugins/capability-provider-runtime.test.ts
@@ -0,0 +1,129 @@
+import { beforeEach, describe, expect, it, vi } from "vitest";
+import type { OpenClawConfig } from "../config/config.js";
+import { createEmptyPluginRegistry } from "./registry.js";
+import { resetPluginRuntimeStateForTest, setActivePluginRegistry } from "./runtime.js";
+
+const mocks = vi.hoisted(() => ({
+  loadOpenClawPlugins: vi.fn(() => createEmptyPluginRegistry()),
+  loadPluginManifestRegistry: vi.fn(() => ({ plugins: [], diagnostics: [] })),
+  withBundledPluginAllowlistCompat: vi.fn(({ config }) => config),
+  withBundledPluginEnablementCompat: vi.fn(({ config }) => config),
+  withBundledPluginVitestCompat: vi.fn(({ config }) => config),
+}));
+
+vi.mock("./loader.js", () => ({
+  loadOpenClawPlugins: mocks.loadOpenClawPlugins,
+}));
+
+vi.mock("./manifest-registry.js", () => ({
+  loadPluginManifestRegistry: mocks.loadPluginManifestRegistry,
+}));
+
+vi.mock("./bundled-compat.js", () => ({
+  withBundledPluginAllowlistCompat: mocks.withBundledPluginAllowlistCompat,
+  withBundledPluginEnablementCompat: mocks.withBundledPluginEnablementCompat,
+  withBundledPluginVitestCompat: mocks.withBundledPluginVitestCompat,
+}));
+
+let resolvePluginCapabilityProviders: typeof import("./capability-provider-runtime.js").resolvePluginCapabilityProviders;
+
+describe("resolvePluginCapabilityProviders", () => {
+  beforeEach(async () => {
+    vi.resetModules();
+    resetPluginRuntimeStateForTest();
+    mocks.loadOpenClawPlugins.mockReset();
+    mocks.loadOpenClawPlugins.mockReturnValue(createEmptyPluginRegistry());
+    mocks.loadPluginManifestRegistry.mockReset();
+    mocks.loadPluginManifestRegistry.mockReturnValue({ plugins: [], diagnostics: [] });
+    mocks.withBundledPluginAllowlistCompat.mockReset();
+    mocks.withBundledPluginAllowlistCompat.mockImplementation(({ config }) => config);
+    mocks.withBundledPluginEnablementCompat.mockReset();
+    mocks.withBundledPluginEnablementCompat.mockImplementation(({ config }) => config);
+    mocks.withBundledPluginVitestCompat.mockReset();
+    mocks.withBundledPluginVitestCompat.mockImplementation(({ config }) => config);
+    ({ resolvePluginCapabilityProviders } = await import("./capability-provider-runtime.js"));
+  });
+
+  it("uses the active registry when capability providers are already loaded", () => {
+    const active = createEmptyPluginRegistry();
+    active.speechProviders.push({
+      pluginId: "openai",
+      pluginName: "OpenAI",
+      source: "test",
+      provider: {
+        id: "openai",
+        label: "OpenAI",
+        isConfigured: () => true,
+        synthesize: async () => ({
+          audioBuffer: Buffer.from("x"),
+          outputFormat: "mp3",
+          voiceCompatible: false,
+          fileExtension: ".mp3",
+        }),
+      },
+    });
+    setActivePluginRegistry(active);
+
+    const providers = resolvePluginCapabilityProviders({ key: "speechProviders" });
+
+    expect(providers.map((provider) => provider.id)).toEqual(["openai"]);
+    expect(mocks.loadPluginManifestRegistry).not.toHaveBeenCalled();
+    expect(mocks.loadOpenClawPlugins).not.toHaveBeenCalled();
+  });
+
+  it.each([
+    ["speechProviders", "speechProviders"],
+    ["mediaUnderstandingProviders", "mediaUnderstandingProviders"],
+    ["imageGenerationProviders", "imageGenerationProviders"],
+  ] as const)("applies bundled compat before fallback loading for %s", (key, contractKey) => {
+    const cfg = { plugins: { allow: ["custom-plugin"] } } as OpenClawConfig;
+    const allowlistCompat = { plugins: { allow: ["custom-plugin", "openai"] } };
+    const enablementCompat = {
+      plugins: {
+        allow: ["custom-plugin", "openai"],
+        entries: { openai: { enabled: true } },
+      },
+    };
+    mocks.loadPluginManifestRegistry.mockReturnValue({
+      plugins: [
+        {
+          id: "openai",
+          origin: "bundled",
+          contracts: { [contractKey]: ["openai"] },
+        },
+        {
+          id: "custom-plugin",
+          origin: "workspace",
+          contracts: {},
+        },
+      ] as Array<Record<string, unknown>>,
+      diagnostics: [],
+    });
+    mocks.withBundledPluginAllowlistCompat.mockReturnValue(allowlistCompat);
+    mocks.withBundledPluginEnablementCompat.mockReturnValue(enablementCompat);
+    mocks.withBundledPluginVitestCompat.mockReturnValue(enablementCompat);
+
+    resolvePluginCapabilityProviders({ key, cfg });
+
+    expect(mocks.loadPluginManifestRegistry).toHaveBeenCalledWith({
+      config: cfg,
+      env: process.env,
+    });
+    expect(mocks.withBundledPluginAllowlistCompat).toHaveBeenCalledWith({
+      config: cfg,
+      pluginIds: ["openai"],
+    });
+    expect(mocks.withBundledPluginEnablementCompat).toHaveBeenCalledWith({
+      config: allowlistCompat,
+      pluginIds: ["openai"],
+    });
+    expect(mocks.withBundledPluginVitestCompat).toHaveBeenCalledWith({
+      config: enablementCompat,
+      pluginIds: ["openai"],
+      env: process.env,
+    });
+    expect(mocks.loadOpenClawPlugins).toHaveBeenCalledWith({
+      config: enablementCompat,
+    });
+  });
+});
diff --git a/src/plugins/capability-provider-runtime.ts b/src/plugins/capability-provider-runtime.ts
index fcb527b8880..2c14e868956 100644
--- a/src/plugins/capability-provider-runtime.ts
+++ b/src/plugins/capability-provider-runtime.ts
@@ -1,5 +1,11 @@
 import type { OpenClawConfig } from "../config/config.js";
+import {
+  withBundledPluginAllowlistCompat,
+  withBundledPluginEnablementCompat,
+  withBundledPluginVitestCompat,
+} from "./bundled-compat.js";
 import { loadOpenClawPlugins } from "./loader.js";
+import { loadPluginManifestRegistry } from "./manifest-registry.js";
 import type { PluginRegistry } from "./registry.js";
 import { getActivePluginRegistry } from "./runtime.js";
 
@@ -8,9 +14,56 @@ type CapabilityProviderRegistryKey =
   | "mediaUnderstandingProviders"
   | "imageGenerationProviders";
 
+type CapabilityContractKey =
+  | "speechProviders"
+  | "mediaUnderstandingProviders"
+  | "imageGenerationProviders";
+
 type CapabilityProviderForKey<K extends CapabilityProviderRegistryKey> =
   PluginRegistry[K][number] extends { provider: infer T } ? T : never;
 
+const CAPABILITY_CONTRACT_KEY: Record<CapabilityProviderRegistryKey, CapabilityContractKey> = {
+  speechProviders: "speechProviders",
+  mediaUnderstandingProviders: "mediaUnderstandingProviders",
+  imageGenerationProviders: "imageGenerationProviders",
+};
+
+function resolveBundledCapabilityCompatPluginIds(params: {
+  key: CapabilityProviderRegistryKey;
+  cfg?: OpenClawConfig;
+}): string[] {
+  const contractKey = CAPABILITY_CONTRACT_KEY[params.key];
+  return loadPluginManifestRegistry({
+    config: params.cfg,
+    env: process.env,
+  })
+    .plugins.filter(
+      (plugin) => plugin.origin === "bundled" && (plugin.contracts?.[contractKey]?.length ?? 0) > 0,
+    )
+    .map((plugin) => plugin.id)
+    .toSorted((left, right) => left.localeCompare(right));
+}
+
+function resolveCapabilityProviderConfig(params: {
+  key: CapabilityProviderRegistryKey;
+  cfg?: OpenClawConfig;
+}) {
+  const pluginIds = resolveBundledCapabilityCompatPluginIds(params);
+  const allowlistCompat = withBundledPluginAllowlistCompat({
+    config: params.cfg,
+    pluginIds,
+  });
+  const enablementCompat = withBundledPluginEnablementCompat({
+    config: allowlistCompat,
+    pluginIds,
+  });
+  return withBundledPluginVitestCompat({
+    config: enablementCompat,
+    pluginIds,
+    env: process.env,
+  });
+}
+
 export function resolvePluginCapabilityProviders<K extends CapabilityProviderRegistryKey>(params: {
   key: K;
   cfg?: OpenClawConfig;
@@ -20,7 +73,11 @@ export function resolvePluginCapabilityProviders<K extends CapabilityProviderReg
   const shouldUseActive =
     params.useActiveRegistryWhen?.(active) ?? (active?.[params.key].length ?? 0) > 0;
   const registry =
-    shouldUseActive || !params.cfg ? active : loadOpenClawPlugins({ config: params.cfg });
+    shouldUseActive || !params.cfg
+      ? active
+      : loadOpenClawPlugins({
+          config: resolveCapabilityProviderConfig({ key: params.key, cfg: params.cfg }),
+        });
   return (registry?.[params.key] ?? []).map(
     (entry) => entry.provider,
   ) as CapabilityProviderForKey<K>[];
diff --git a/src/tts/provider-registry.test.ts b/src/tts/provider-registry.test.ts
index 9af822dea92..69e41f3f6a8 100644
--- a/src/tts/provider-registry.test.ts
+++ b/src/tts/provider-registry.test.ts
@@ -83,7 +83,17 @@ describe("speech provider registry", () => {
 
     expect(listSpeechProviders(cfg).map((provider) => provider.id)).toEqual(["microsoft"]);
     expect(getSpeechProvider("edge", cfg)?.id).toBe("microsoft");
-    expect(loadOpenClawPluginsMock).toHaveBeenCalledWith({ config: cfg });
+    expect(loadOpenClawPluginsMock).toHaveBeenCalledWith({
+      config: {
+        plugins: {
+          entries: {
+            elevenlabs: { enabled: true },
+            microsoft: { enabled: true },
+            openai: { enabled: true },
+          },
+        },
+      },
+    });
   });
 
   it("returns no providers when neither plugins nor active registry provide speech support", () => {