diff --git a/docs/channels/matrix.md b/docs/channels/matrix.md
index 2349785c9e1..01c0ae6cd98 100644
--- a/docs/channels/matrix.md
+++ b/docs/channels/matrix.md
@@ -919,6 +919,7 @@ Entries without `account` stay shared across all Matrix accounts, and entries wi
 Partial shared auth defaults do not create a separate implicit default account by themselves. OpenClaw only synthesizes the top-level `default` account when that default has fresh auth (`homeserver` plus `accessToken`, or `homeserver` plus `userId` and `password`); named accounts can still stay discoverable from `homeserver` plus `userId` when cached credentials satisfy auth later.
 If Matrix already has exactly one named account, or `defaultAccount` points at an existing named account key, single-account-to-multi-account repair/setup promotion preserves that account instead of creating a fresh `accounts.default` entry. Only Matrix auth/bootstrap keys move into that promoted account; shared delivery-policy keys stay at the top level.
 Set `defaultAccount` when you want OpenClaw to prefer one named Matrix account for implicit routing, probing, and CLI operations.
+If multiple Matrix accounts are configured and one account id is `default`, OpenClaw uses that account implicitly even when `defaultAccount` is unset.
 If you configure multiple named accounts, set `defaultAccount` or pass `--account <id>` for CLI commands that rely on implicit account selection.
 Pass `--account <id>` to `openclaw matrix verify ...` and `openclaw matrix devices ...` when you want to override that implicit selection for one command.
 
diff --git a/extensions/matrix/src/account-selection.test.ts b/extensions/matrix/src/account-selection.test.ts
index 785e8139e65..b963cc6551b 100644
--- a/extensions/matrix/src/account-selection.test.ts
+++ b/extensions/matrix/src/account-selection.test.ts
@@ -56,6 +56,22 @@ describe("matrix account selection", () => {
     expect(requiresExplicitMatrixDefaultAccount(cfg)).toBe(true);
   });
 
+  it('uses a named "default" Matrix account when defaultAccount is unset', () => {
+    const cfg: OpenClawConfig = {
+      channels: {
+        matrix: {
+          accounts: {
+            default: { homeserver: "https://matrix.example.org" },
+            ops: { homeserver: "https://matrix.example.org" },
+          },
+        },
+      },
+    };
+
+    expect(resolveMatrixDefaultOrOnlyAccountId(cfg)).toBe("default");
+    expect(requiresExplicitMatrixDefaultAccount(cfg)).toBe(false);
+  });
+
   it("finds the raw Matrix account entry by normalized account id", () => {
     const cfg: OpenClawConfig = {
       channels: {
@@ -93,7 +109,7 @@ describe("matrix account selection", () => {
     expect(requiresExplicitMatrixDefaultAccount(cfg, env)).toBe(false);
   });
 
-  it("treats mixed default and named env-backed Matrix accounts as multi-account", () => {
+  it('uses the "default" Matrix account when mixed default and named env-backed accounts exist', () => {
     const keys = getMatrixScopedEnvVarNames("team-ops");
     const cfg: OpenClawConfig = {
       channels: {
@@ -108,7 +124,8 @@ describe("matrix account selection", () => {
     } satisfies NodeJS.ProcessEnv;
 
     expect(resolveConfiguredMatrixAccountIds(cfg, env)).toEqual(["default", "team-ops"]);
-    expect(requiresExplicitMatrixDefaultAccount(cfg, env)).toBe(true);
+    expect(resolveMatrixDefaultOrOnlyAccountId(cfg, env)).toBe("default");
+    expect(requiresExplicitMatrixDefaultAccount(cfg, env)).toBe(false);
   });
 
   it("discovers default Matrix accounts backed only by global env vars", () => {
diff --git a/extensions/matrix/src/account-selection.ts b/extensions/matrix/src/account-selection.ts
index acde1d72a36..8f32cadb952 100644
--- a/extensions/matrix/src/account-selection.ts
+++ b/extensions/matrix/src/account-selection.ts
@@ -213,6 +213,9 @@ export function requiresExplicitMatrixDefaultAccount(
   if (configuredAccountIds.length <= 1) {
     return false;
   }
+  if (configuredAccountIds.includes(DEFAULT_ACCOUNT_ID)) {
+    return false;
+  }
   const configuredDefault = normalizeOptionalAccountId(
     typeof channel.defaultAccount === "string" ? channel.defaultAccount : undefined,
   );
diff --git a/extensions/matrix/src/matrix/client.test.ts b/extensions/matrix/src/matrix/client.test.ts
index a27362d2b6a..fd48f89b01e 100644
--- a/extensions/matrix/src/matrix/client.test.ts
+++ b/extensions/matrix/src/matrix/client.test.ts
@@ -403,6 +403,29 @@ describe("Matrix auth/config live surfaces", () => {
     );
   });
 
+  it('uses a named "default" account implicitly when multiple Matrix accounts exist', () => {
+    const cfg = {
+      channels: {
+        matrix: {
+          accounts: {
+            default: {
+              homeserver: "https://matrix.default.example.org",
+              accessToken: "default-token",
+            },
+            ops: {
+              homeserver: "https://matrix.ops.example.org",
+              accessToken: "ops-token",
+            },
+          },
+        },
+      },
+    } as CoreConfig;
+
+    expect(resolveMatrixAuthContext({ cfg, env: {} as NodeJS.ProcessEnv }).accountId).toBe(
+      "default",
+    );
+  });
+
   it("does not materialize a default account from shared top-level defaults alone", () => {
     const cfg = {
       channels: {
@@ -439,7 +462,7 @@ describe("Matrix auth/config live surfaces", () => {
     expect(resolveMatrixAuthContext({ cfg, env: {} as NodeJS.ProcessEnv }).accountId).toBe("ops");
   });
 
-  it("honors injected env when implicit Matrix account selection becomes ambiguous", () => {
+  it('uses the injected env-backed "default" Matrix account when implicit selection is available', () => {
     const cfg = {
       channels: {
         matrix: {},
@@ -452,9 +475,7 @@ describe("Matrix auth/config live surfaces", () => {
       MATRIX_OPS_ACCESS_TOKEN: "ops-token",
     } as NodeJS.ProcessEnv;
 
-    expect(() => resolveMatrixAuthContext({ cfg, env })).toThrow(
-      /channels\.matrix\.defaultAccount.*--account <id>/i,
-    );
+    expect(resolveMatrixAuthContext({ cfg, env }).accountId).toBe("default");
   });
 
   it("does not materialize a default env account from partial global auth fields", () => {