diff --git a/src/routing/bound-account-read.test.ts b/src/routing/bound-account-read.test.ts
index 5e768cfef23..ce1a0cc19ac 100644
--- a/src/routing/bound-account-read.test.ts
+++ b/src/routing/bound-account-read.test.ts
@@ -147,4 +147,75 @@ describe("resolveFirstBoundAccountId", () => {
       }),
     ).toBeUndefined();
   });
+
+  it("filters bindings by peer kind when caller supplies peerKind", () => {
+    const cfg = cfgWithBindings([
+      {
+        type: "route",
+        agentId: "bot-alpha",
+        match: {
+          channel: "matrix",
+          peer: { kind: "direct", id: "*" },
+          accountId: "bot-alpha-dm",
+        },
+      },
+      {
+        type: "route",
+        agentId: "bot-alpha",
+        match: {
+          channel: "matrix",
+          peer: { kind: "channel", id: "*" },
+          accountId: "bot-alpha-room",
+        },
+      },
+    ]);
+    expect(
+      resolveFirstBoundAccountId({
+        cfg,
+        channelId: "matrix",
+        agentId: "bot-alpha",
+        peerId: "!room:example.org",
+        peerKind: "channel",
+      }),
+    ).toBe("bot-alpha-room");
+    expect(
+      resolveFirstBoundAccountId({
+        cfg,
+        channelId: "matrix",
+        agentId: "bot-alpha",
+        peerId: "@user:example.org",
+        peerKind: "direct",
+      }),
+    ).toBe("bot-alpha-dm");
+  });
+
+  it("skips peer-specific bindings whose kind does not match the caller's peerKind", () => {
+    const cfg = cfgWithBindings([
+      {
+        type: "route",
+        agentId: "bot-alpha",
+        match: {
+          channel: "matrix",
+          peer: { kind: "direct", id: "!room:example.org" },
+          accountId: "bot-alpha-wrong-kind",
+        },
+      },
+      {
+        type: "route",
+        agentId: "bot-alpha",
+        match: { channel: "matrix", accountId: "bot-alpha-default" },
+      },
+    ]);
+    // Caller peerKind=channel: the direct-kind binding is ineligible even though
+    // its peerId would match — falls through to the channel-only binding.
+    expect(
+      resolveFirstBoundAccountId({
+        cfg,
+        channelId: "matrix",
+        agentId: "bot-alpha",
+        peerId: "!room:example.org",
+        peerKind: "channel",
+      }),
+    ).toBe("bot-alpha-default");
+  });
 });
diff --git a/src/routing/bound-account-read.ts b/src/routing/bound-account-read.ts
index 08347352958..8d493be35e0 100644
--- a/src/routing/bound-account-read.ts
+++ b/src/routing/bound-account-read.ts
@@ -1,3 +1,4 @@
+import { normalizeChatType, type ChatType } from "../channels/chat-type.js";
 import { normalizeChatChannelId } from "../channels/ids.js";
 import { listRouteBindings } from "../config/bindings.js";
 import type { AgentRouteBinding } from "../config/types.agents.js";
@@ -19,6 +20,7 @@ function resolveNormalizedBindingMatch(binding: AgentRouteBinding): {
   accountId: string;
   channelId: string;
   peerId?: string;
+  peerKind?: ChatType;
 } | null {
   if (!binding || typeof binding !== "object") {
     return null;
@@ -36,11 +38,13 @@ function resolveNormalizedBindingMatch(binding: AgentRouteBinding): {
     return null;
   }
   const peerId = match.peer && typeof match.peer.id === "string" ? match.peer.id.trim() : undefined;
+  const peerKind = match.peer ? normalizeChatType(match.peer.kind) : undefined;
   return {
     agentId: normalizeAgentId(binding.agentId),
     accountId: normalizeAccountId(accountId),
     channelId,
     peerId: peerId || undefined,
+    peerKind: peerKind ?? undefined,
   };
 }
 
@@ -49,6 +53,7 @@ export function resolveFirstBoundAccountId(params: {
   channelId: string;
   agentId: string;
   peerId?: string;
+  peerKind?: ChatType;
 }): string | undefined {
   const normalizedChannel = normalizeBindingChannelId(params.channelId);
   if (!normalizedChannel) {
@@ -56,6 +61,7 @@ export function resolveFirstBoundAccountId(params: {
   }
   const normalizedAgentId = normalizeAgentId(params.agentId);
   const normalizedPeerId = params.peerId?.trim() || undefined;
+  const normalizedPeerKind = normalizeChatType(params.peerKind) ?? undefined;
   let wildcardPeerMatch: string | undefined;
   let channelOnlyFallback: string | undefined;
   let peerlessPeerSpecificFallback: string | undefined;
@@ -68,6 +74,13 @@ export function resolveFirstBoundAccountId(params: {
     ) {
       continue;
     }
+    // When the caller knows the peer kind and the binding declares a peer kind,
+    // they must match — a direct/* binding must not win for a channel caller,
+    // and vice versa. If either side omits the kind, we do not filter on it
+    // (preserves backward-compat for peerless cron callers).
+    if (resolved.peerKind && normalizedPeerKind && resolved.peerKind !== normalizedPeerKind) {
+      continue;
+    }
     if (resolved.peerId === "*") {
       if (normalizedPeerId) {
         wildcardPeerMatch ??= resolved.accountId;