diff --git a/extensions/googlechat/src/setup-surface.ts b/extensions/googlechat/src/setup-surface.ts
index 5d552eed2d7..43562ff65a3 100644
--- a/extensions/googlechat/src/setup-surface.ts
+++ b/extensions/googlechat/src/setup-surface.ts
@@ -1,7 +1,7 @@
 import {
+  addWildcardAllowFrom,
   applySetupAccountConfigPatch,
   createNestedChannelParsedAllowFromPrompt,
-  createNestedChannelDmPolicy,
   createStandardChannelSetupStatus,
   DEFAULT_ACCOUNT_ID,
   formatDocsLink,
@@ -37,16 +37,49 @@ const promptAllowFrom = createNestedChannelParsedAllowFromPrompt({
   }),
 });
 
-const googlechatDmPolicy: ChannelSetupDmPolicy = createNestedChannelDmPolicy({
+const googlechatDmPolicy: ChannelSetupDmPolicy = {
   label: "Google Chat",
   channel,
-  section: "dm",
   policyKey: "channels.googlechat.dm.policy",
   allowFromKey: "channels.googlechat.dm.allowFrom",
-  getCurrent: (cfg) => cfg.channels?.googlechat?.dm?.policy ?? "pairing",
+  resolveConfigKeys: (_cfg, accountId) =>
+    accountId && accountId !== DEFAULT_ACCOUNT_ID
+      ? {
+          policyKey: `channels.googlechat.accounts.${accountId}.dm.policy`,
+          allowFromKey: `channels.googlechat.accounts.${accountId}.dm.allowFrom`,
+        }
+      : {
+          policyKey: "channels.googlechat.dm.policy",
+          allowFromKey: "channels.googlechat.dm.allowFrom",
+        },
+  getCurrent: (cfg, accountId) =>
+    resolveGoogleChatAccount({
+      cfg,
+      accountId: accountId ?? DEFAULT_ACCOUNT_ID,
+    }).config.dm?.policy ?? "pairing",
+  setPolicy: (cfg, policy, accountId) => {
+    const resolvedAccountId = accountId ?? DEFAULT_ACCOUNT_ID;
+    const currentDm = resolveGoogleChatAccount({
+      cfg,
+      accountId: resolvedAccountId,
+    }).config.dm;
+    return applySetupAccountConfigPatch({
+      cfg,
+      channelKey: channel,
+      accountId: resolvedAccountId,
+      patch: {
+        dm: {
+          ...currentDm,
+          policy,
+          ...(policy === "open"
+            ? { allowFrom: addWildcardAllowFrom(currentDm?.allowFrom) }
+            : {}),
+        },
+      },
+    });
+  },
   promptAllowFrom,
-  enabled: true,
-});
+};
 
 export { googlechatSetupAdapter } from "./setup-core.js";
 
diff --git a/extensions/googlechat/src/setup.test.ts b/extensions/googlechat/src/setup.test.ts
index 3fb330fa34e..daa82917dcb 100644
--- a/extensions/googlechat/src/setup.test.ts
+++ b/extensions/googlechat/src/setup.test.ts
@@ -161,6 +161,66 @@ describe("googlechat setup", () => {
     expect(result.cfg.channels?.googlechat?.audience).toBe("https://example.com/googlechat");
   });
 
+  it("reads the named-account DM policy instead of the channel root", () => {
+    expect(
+      googlechatPlugin.setupWizard?.dmPolicy?.getCurrent(
+        {
+          channels: {
+            googlechat: {
+              dm: {
+                policy: "disabled",
+              },
+              accounts: {
+                alerts: {
+                  serviceAccount: { client_email: "bot@example.com" },
+                  dm: {
+                    policy: "allowlist",
+                  },
+                },
+              },
+            },
+          },
+        } as OpenClawConfig,
+        "alerts",
+      ),
+    ).toBe("allowlist");
+  });
+
+  it("reports account-scoped config keys for named accounts", () => {
+    expect(googlechatPlugin.setupWizard?.dmPolicy?.resolveConfigKeys?.({}, "alerts")).toEqual({
+      policyKey: "channels.googlechat.accounts.alerts.dm.policy",
+      allowFromKey: "channels.googlechat.accounts.alerts.dm.allowFrom",
+    });
+  });
+
+  it('writes open DM policy to the named account and preserves inherited allowFrom with "*"', () => {
+    const next = googlechatPlugin.setupWizard?.dmPolicy?.setPolicy(
+      {
+        channels: {
+          googlechat: {
+            dm: {
+              allowFrom: ["users/123"],
+            },
+            accounts: {
+              alerts: {
+                serviceAccount: { client_email: "bot@example.com" },
+              },
+            },
+          },
+        },
+      } as OpenClawConfig,
+      "open",
+      "alerts",
+    );
+
+    expect(next?.channels?.googlechat?.dm?.policy).toBeUndefined();
+    expect(next?.channels?.googlechat?.accounts?.alerts?.dm?.policy).toBe("open");
+    expect(next?.channels?.googlechat?.accounts?.alerts?.dm?.allowFrom).toEqual([
+      "users/123",
+      "*",
+    ]);
+  });
+
   it("keeps startAccount pending until abort, then unregisters", async () => {
     const unregister = vi.fn();
     hoisted.startGoogleChatMonitor.mockResolvedValue(unregister);
diff --git a/extensions/telegram/src/setup-surface.test.ts b/extensions/telegram/src/setup-surface.test.ts
index 17eeb2c68e9..e14ce7db3da 100644
--- a/extensions/telegram/src/setup-surface.test.ts
+++ b/extensions/telegram/src/setup-surface.test.ts
@@ -162,6 +162,59 @@ describe("telegramSetupWizard.finalize", () => {
   });
 });
 
+describe("telegramSetupWizard.dmPolicy", () => {
+  it("reads the named-account DM policy instead of the channel root", () => {
+    expect(
+      telegramSetupWizard.dmPolicy?.getCurrent(
+        {
+          channels: {
+            telegram: {
+              dmPolicy: "disabled",
+              accounts: {
+                alerts: {
+                  dmPolicy: "allowlist",
+                  botToken: "tok",
+                },
+              },
+            },
+          },
+        },
+        "alerts",
+      ),
+    ).toBe("allowlist");
+  });
+
+  it("reports account-scoped config keys for named accounts", () => {
+    expect(telegramSetupWizard.dmPolicy?.resolveConfigKeys?.({}, "alerts")).toEqual({
+      policyKey: "channels.telegram.accounts.alerts.dmPolicy",
+      allowFromKey: "channels.telegram.accounts.alerts.allowFrom",
+    });
+  });
+
+  it('writes open policy state to the named account and preserves inherited allowFrom with "*"', () => {
+    const next = telegramSetupWizard.dmPolicy?.setPolicy(
+      {
+        channels: {
+          telegram: {
+            allowFrom: ["123"],
+            accounts: {
+              alerts: {
+                botToken: "tok",
+              },
+            },
+          },
+        },
+      },
+      "open",
+      "alerts",
+    );
+
+    expect(next?.channels?.telegram?.dmPolicy).toBeUndefined();
+    expect(next?.channels?.telegram?.accounts?.alerts?.dmPolicy).toBe("open");
+    expect(next?.channels?.telegram?.accounts?.alerts?.allowFrom).toEqual(["123", "*"]);
+  });
+});
+
 describe("resolveTelegramAllowFromEntries", () => {
   it("passes apiRoot through username lookups", async () => {
     const globalFetch = vi.fn(async () => {
diff --git a/extensions/telegram/src/setup-surface.ts b/extensions/telegram/src/setup-surface.ts
index d49fbf1b6eb..a91c4d4a801 100644
--- a/extensions/telegram/src/setup-surface.ts
+++ b/extensions/telegram/src/setup-surface.ts
@@ -1,7 +1,8 @@
 import {
+  addWildcardAllowFrom,
   createAllowFromSection,
-  createTopLevelChannelDmPolicy,
   createStandardChannelSetupStatus,
+  type ChannelSetupDmPolicy,
   DEFAULT_ACCOUNT_ID,
   hasConfiguredSecretInput,
   type OpenClawConfig,
@@ -76,14 +77,40 @@ function buildTelegramDmAccessWarningLines(accountId: string): string[] {
   ];
 }
 
-const dmPolicy = createTopLevelChannelDmPolicy({
+const dmPolicy: ChannelSetupDmPolicy = {
   label: "Telegram",
   channel,
   policyKey: "channels.telegram.dmPolicy",
   allowFromKey: "channels.telegram.allowFrom",
-  getCurrent: (cfg) => cfg.channels?.telegram?.dmPolicy ?? "pairing",
+  resolveConfigKeys: (_cfg, accountId) =>
+    accountId && accountId !== DEFAULT_ACCOUNT_ID
+      ? {
+          policyKey: `channels.telegram.accounts.${accountId}.dmPolicy`,
+          allowFromKey: `channels.telegram.accounts.${accountId}.allowFrom`,
+        }
+      : {
+          policyKey: "channels.telegram.dmPolicy",
+          allowFromKey: "channels.telegram.allowFrom",
+        },
+  getCurrent: (cfg, accountId) =>
+    mergeTelegramAccountConfig(cfg, accountId ?? DEFAULT_ACCOUNT_ID).dmPolicy ?? "pairing",
+  setPolicy: (cfg, policy, accountId) => {
+    const resolvedAccountId = accountId ?? DEFAULT_ACCOUNT_ID;
+    const merged = mergeTelegramAccountConfig(cfg, resolvedAccountId);
+    return patchChannelConfigForAccount({
+      cfg,
+      channel,
+      accountId: resolvedAccountId,
+      patch: {
+        dmPolicy: policy,
+        ...(policy === "open"
+          ? { allowFrom: addWildcardAllowFrom(merged.allowFrom) }
+          : {}),
+      },
+    });
+  },
   promptAllowFrom: promptTelegramAllowFromForAccount,
-});
+};
 
 export const telegramSetupWizard: ChannelSetupWizard = {
   channel,