refactor: unify account-scoped dm security policy resolver

extensions/bluebubbles/src/channel.ts

@@ -1,4 +1,7 @@
-import { buildOpenGroupPolicyRestrictSendersWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyRestrictSendersWarning,
+} from "openclaw/plugin-sdk";
 import type {
   ChannelAccountSnapshot,
   ChannelPlugin,
@@ -12,7 +15,6 @@ import {
   collectBlueBubblesStatusIssues,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   migrateBaseNameToDefaultAccount,
   normalizeAccountId,
   PAIRING_APPROVED_MESSAGE,
@@ -125,19 +127,16 @@ export const bluebubblesPlugin: ChannelPlugin<ResolvedBlueBubblesAccount> = {
   actions: bluebubblesMessageActions,
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.bluebubbles?.accounts?.[resolvedAccountId]);
-      const basePath = useAccountPath
-        ? `channels.bluebubbles.accounts.${resolvedAccountId}.`
-        : "channels.bluebubbles.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "bluebubbles",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("bluebubbles"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => normalizeBlueBubblesHandle(raw.replace(/^bluebubbles:/i, "")),
-      };
+      });
     },
     collectWarnings: ({ account }) => {
       const groupPolicy = account.config.groupPolicy ?? "allowlist";

extensions/discord/src/channel.ts

@@ -1,4 +1,5 @@
 import {
+  buildAccountScopedDmSecurityPolicy,
   buildOpenGroupPolicyConfigureRouteAllowlistWarning,
   buildOpenGroupPolicyWarning,
 } from "openclaw/plugin-sdk";
@@ -13,7 +14,6 @@ import {
   deleteAccountFromConfigSection,
   discordOnboardingAdapter,
   DiscordConfigSchema,
-  formatPairingApproveHint,
   getChatChannelMeta,
   inspectDiscordAccount,
   listDiscordAccountIds,
@@ -127,18 +127,16 @@ export const discordPlugin: ChannelPlugin<ResolvedDiscordAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.discord?.accounts?.[resolvedAccountId]);
-      const allowFromPath = useAccountPath
-        ? `channels.discord.accounts.${resolvedAccountId}.dm.`
-        : "channels.discord.dm.";
-      return {
-        policy: account.config.dm?.policy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "discord",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dm?.policy,
         allowFrom: account.config.dm?.allowFrom ?? [],
-        allowFromPath,
-        approveHint: formatPairingApproveHint("discord"),
+        allowFromPathSuffix: "dm.",
         normalizeEntry: (raw) => raw.replace(/^(discord|user):/i, "").replace(/^<@!?(\d+)>$/, "$1"),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const warnings: string[] = [];

extensions/googlechat/src/channel.ts

@@ -1,4 +1,7 @@
-import { buildOpenGroupPolicyConfigureRouteAllowlistWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyConfigureRouteAllowlistWarning,
+} from "openclaw/plugin-sdk";
 import {
   applyAccountNameToChannelSection,
   applySetupAccountConfigPatch,
@@ -6,7 +9,6 @@ import {
   buildChannelConfigSchema,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   getChatChannelMeta,
   listDirectoryGroupEntriesFromMapKeys,
   listDirectoryUserEntriesFromAllowFrom,
@@ -190,18 +192,16 @@ export const googlechatPlugin: ChannelPlugin<ResolvedGoogleChatAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.["googlechat"]?.accounts?.[resolvedAccountId]);
-      const allowFromPath = useAccountPath
-        ? `channels.googlechat.accounts.${resolvedAccountId}.dm.`
-        : "channels.googlechat.dm.";
-      return {
-        policy: account.config.dm?.policy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "googlechat",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dm?.policy,
         allowFrom: account.config.dm?.allowFrom ?? [],
-        allowFromPath,
-        approveHint: formatPairingApproveHint("googlechat"),
+        allowFromPathSuffix: "dm.",
         normalizeEntry: (raw) => formatAllowFromEntry(raw),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const warnings: string[] = [];

extensions/imessage/src/channel.ts

@@ -1,11 +1,13 @@
-import { buildOpenGroupPolicyRestrictSendersWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyRestrictSendersWarning,
+} from "openclaw/plugin-sdk";
 import {
   applyAccountNameToChannelSection,
   buildChannelConfigSchema,
   collectStatusIssuesFromLastError,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   formatTrimmedAllowFromEntries,
   getChatChannelMeta,
   imessageOnboardingAdapter,
@@ -132,18 +134,15 @@ export const imessagePlugin: ChannelPlugin<ResolvedIMessageAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.imessage?.accounts?.[resolvedAccountId]);
-      const basePath = useAccountPath
-        ? `channels.imessage.accounts.${resolvedAccountId}.`
-        : "channels.imessage.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "imessage",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("imessage"),
-      };
+        policyPathSuffix: "dmPolicy",
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/irc/src/channel.ts

@@ -1,11 +1,13 @@
-import { buildOpenGroupPolicyWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyWarning,
+} from "openclaw/plugin-sdk";
 import {
   buildBaseAccountStatusSnapshot,
   buildBaseChannelStatusSummary,
   buildChannelConfigSchema,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   getChatChannelMeta,
   PAIRING_APPROVED_MESSAGE,
   resolveAllowlistProviderRuntimeGroupPolicy,
@@ -123,19 +125,16 @@ export const ircPlugin: ChannelPlugin<ResolvedIrcAccount, IrcProbe> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.irc?.accounts?.[resolvedAccountId]);
-      const basePath = useAccountPath
-        ? `channels.irc.accounts.${resolvedAccountId}.`
-        : "channels.irc.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "irc",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: `${basePath}allowFrom`,
-        approveHint: formatPairingApproveHint("irc"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => normalizeIrcAllowEntry(raw),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const warnings: string[] = [];

extensions/line/src/channel.ts

@@ -1,4 +1,7 @@
-import { buildOpenGroupPolicyRestrictSendersWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyRestrictSendersWarning,
+} from "openclaw/plugin-sdk";
 import {
   buildChannelConfigSchema,
   buildComputedAccountStatusSnapshot,
@@ -159,21 +162,17 @@ export const linePlugin: ChannelPlugin<ResolvedLineAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(
-        (cfg.channels?.line as LineConfig | undefined)?.accounts?.[resolvedAccountId],
-      );
-      const basePath = useAccountPath
-        ? `channels.line.accounts.${resolvedAccountId}.`
-        : "channels.line.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "line",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
+        policyPathSuffix: "dmPolicy",
         approveHint: "openclaw pairing approve line <code>",
         normalizeEntry: (raw) => raw.replace(/^line:(?:user:)?/i, ""),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/matrix/src/channel.ts

@@ -1,4 +1,7 @@
-import { buildOpenGroupPolicyWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyWarning,
+} from "openclaw/plugin-sdk";
 import {
   applyAccountNameToChannelSection,
   buildChannelConfigSchema,
@@ -6,7 +9,6 @@ import {
   collectStatusIssuesFromLastError,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   normalizeAccountId,
   PAIRING_APPROVED_MESSAGE,
   resolveAllowlistProviderRuntimeGroupPolicy,
@@ -159,20 +161,17 @@ export const matrixPlugin: ChannelPlugin<ResolvedMatrixAccount> = {
     formatAllowFrom: ({ allowFrom }) => normalizeMatrixAllowList(allowFrom),
   },
   security: {
-    resolveDmPolicy: ({ account }) => {
-      const accountId = account.accountId;
-      const prefix =
-        accountId && accountId !== "default"
-          ? `channels.matrix.accounts.${accountId}.dm`
-          : "channels.matrix.dm";
-      return {
-        policy: account.config.dm?.policy ?? "pairing",
+    resolveDmPolicy: ({ cfg, accountId, account }) => {
+      return buildAccountScopedDmSecurityPolicy({
+        cfg: cfg as CoreConfig,
+        channelKey: "matrix",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dm?.policy,
         allowFrom: account.config.dm?.allowFrom ?? [],
-        policyPath: `${prefix}.policy`,
-        allowFromPath: `${prefix}.allowFrom`,
-        approveHint: formatPairingApproveHint("matrix"),
+        allowFromPathSuffix: "dm.",
         normalizeEntry: (raw) => normalizeMatrixUserId(raw),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg as CoreConfig);

extensions/mattermost/src/channel.ts

@@ -1,4 +1,7 @@
-import { buildOpenGroupPolicyRestrictSendersWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyRestrictSendersWarning,
+} from "openclaw/plugin-sdk";
 import {
   applyAccountNameToChannelSection,
   applySetupAccountConfigPatch,
@@ -6,7 +9,6 @@ import {
   buildChannelConfigSchema,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   migrateBaseNameToDefaultAccount,
   normalizeAccountId,
   resolveAllowlistProviderRuntimeGroupPolicy,
@@ -281,19 +283,16 @@ export const mattermostPlugin: ChannelPlugin<ResolvedMattermostAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.mattermost?.accounts?.[resolvedAccountId]);
-      const basePath = useAccountPath
-        ? `channels.mattermost.accounts.${resolvedAccountId}.`
-        : "channels.mattermost.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "mattermost",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("mattermost"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => normalizeAllowEntry(raw),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/nextcloud-talk/src/channel.ts

@@ -1,4 +1,5 @@
 import {
+  buildAccountScopedDmSecurityPolicy,
   buildOpenGroupPolicyNoRouteAllowlistWarning,
   buildOpenGroupPolicyRestrictSendersWarning,
 } from "openclaw/plugin-sdk";
@@ -10,7 +11,6 @@ import {
   clearAccountEntryFields,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   normalizeAccountId,
   resolveAllowlistProviderRuntimeGroupPolicy,
   resolveDefaultGroupPolicy,
@@ -121,21 +121,16 @@ export const nextcloudTalkPlugin: ChannelPlugin<ResolvedNextcloudTalkAccount> =
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(
-        cfg.channels?.["nextcloud-talk"]?.accounts?.[resolvedAccountId],
-      );
-      const basePath = useAccountPath
-        ? `channels.nextcloud-talk.accounts.${resolvedAccountId}.`
-        : "channels.nextcloud-talk.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "nextcloud-talk",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("nextcloud-talk"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => raw.replace(/^(nextcloud-talk|nc-talk|nc):/i, "").toLowerCase(),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/signal/src/channel.ts

@@ -1,4 +1,7 @@
-import { buildOpenGroupPolicyRestrictSendersWarning } from "openclaw/plugin-sdk";
+import {
+  buildAccountScopedDmSecurityPolicy,
+  buildOpenGroupPolicyRestrictSendersWarning,
+} from "openclaw/plugin-sdk";
 import {
   applyAccountNameToChannelSection,
   buildBaseAccountStatusSnapshot,
@@ -8,7 +11,6 @@ import {
   createDefaultChannelRuntimeState,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   getChatChannelMeta,
   listSignalAccountIds,
   looksLikeSignalTargetId,
@@ -155,19 +157,16 @@ export const signalPlugin: ChannelPlugin<ResolvedSignalAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.signal?.accounts?.[resolvedAccountId]);
-      const basePath = useAccountPath
-        ? `channels.signal.accounts.${resolvedAccountId}.`
-        : "channels.signal.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "signal",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("signal"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => normalizeE164(raw.replace(/^signal:/i, "").trim()),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/slack/src/channel.ts

@@ -1,4 +1,5 @@
 import {
+  buildAccountScopedDmSecurityPolicy,
   buildOpenGroupPolicyConfigureRouteAllowlistWarning,
   buildOpenGroupPolicyWarning,
 } from "openclaw/plugin-sdk";
@@ -9,7 +10,6 @@ import {
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
   extractSlackToolSend,
-  formatPairingApproveHint,
   getChatChannelMeta,
   handleSlackMessageAction,
   inspectSlackAccount,
@@ -177,18 +177,16 @@ export const slackPlugin: ChannelPlugin<ResolvedSlackAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.slack?.accounts?.[resolvedAccountId]);
-      const allowFromPath = useAccountPath
-        ? `channels.slack.accounts.${resolvedAccountId}.dm.`
-        : "channels.slack.dm.";
-      return {
-        policy: account.dm?.policy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "slack",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.dm?.policy,
         allowFrom: account.dm?.allowFrom ?? [],
-        allowFromPath,
-        approveHint: formatPairingApproveHint("slack"),
+        allowFromPathSuffix: "dm.",
         normalizeEntry: (raw) => raw.replace(/^(slack|user):/i, ""),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const warnings: string[] = [];

extensions/telegram/src/channel.ts

@@ -1,4 +1,5 @@
 import {
+  buildAccountScopedDmSecurityPolicy,
   buildOpenGroupPolicyNoRouteAllowlistWarning,
   buildOpenGroupPolicyRestrictSendersWarning,
 } from "openclaw/plugin-sdk";
@@ -10,7 +11,6 @@ import {
   collectTelegramStatusIssues,
   DEFAULT_ACCOUNT_ID,
   deleteAccountFromConfigSection,
-  formatPairingApproveHint,
   getChatChannelMeta,
   inspectTelegramAccount,
   listTelegramAccountIds,
@@ -192,19 +192,16 @@ export const telegramPlugin: ChannelPlugin<ResolvedTelegramAccount, TelegramProb
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.telegram?.accounts?.[resolvedAccountId]);
-      const basePath = useAccountPath
-        ? `channels.telegram.accounts.${resolvedAccountId}.`
-        : "channels.telegram.";
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "telegram",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("telegram"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => raw.replace(/^(telegram|tg):/i, ""),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/whatsapp/src/channel.ts

@@ -1,4 +1,5 @@
 import {
+  buildAccountScopedDmSecurityPolicy,
   buildOpenGroupPolicyNoRouteAllowlistWarning,
   buildOpenGroupPolicyRestrictSendersWarning,
 } from "openclaw/plugin-sdk";
@@ -8,7 +9,6 @@ import {
   collectWhatsAppStatusIssues,
   createActionGate,
   DEFAULT_ACCOUNT_ID,
-  formatPairingApproveHint,
   getChatChannelMeta,
   listWhatsAppAccountIds,
   listWhatsAppDirectoryGroupsFromConfig,
@@ -125,19 +125,16 @@ export const whatsappPlugin: ChannelPlugin<ResolvedWhatsAppAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const useAccountPath = Boolean(cfg.channels?.whatsapp?.accounts?.[resolvedAccountId]);
-      const basePath = useAccountPath
-        ? `channels.whatsapp.accounts.${resolvedAccountId}.`
-        : "channels.whatsapp.";
-      return {
-        policy: account.dmPolicy ?? "pairing",
+      return buildAccountScopedDmSecurityPolicy({
+        cfg,
+        channelKey: "whatsapp",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.dmPolicy,
         allowFrom: account.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("whatsapp"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => normalizeE164(raw),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/zalo/src/channel.ts

@@ -1,4 +1,5 @@
 import {
+  buildAccountScopedDmSecurityPolicy,
   buildOpenGroupPolicyRestrictSendersWarning,
   buildOpenGroupPolicyWarning,
 } from "openclaw/plugin-sdk";
@@ -19,7 +20,6 @@ import {
   deleteAccountFromConfigSection,
   chunkTextForOutbound,
   formatAllowFromLowercase,
-  formatPairingApproveHint,
   migrateBaseNameToDefaultAccount,
   listDirectoryUserEntriesFromAllowFrom,
   normalizeAccountId,
@@ -28,7 +28,6 @@ import {
   resolveOutboundMediaUrls,
   resolveDefaultGroupPolicy,
   resolveOpenProviderRuntimeGroupPolicy,
-  resolveChannelAccountConfigBasePath,
   sendPayloadWithChunkedTextAndMedia,
   setAccountEnabledInConfigSection,
 } from "openclaw/plugin-sdk/zalo";
@@ -142,20 +141,16 @@ export const zaloPlugin: ChannelPlugin<ResolvedZaloAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const basePath = resolveChannelAccountConfigBasePath({
+      return buildAccountScopedDmSecurityPolicy({
         cfg,
         channelKey: "zalo",
-        accountId: resolvedAccountId,
-      });
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("zalo"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => raw.replace(/^(zalo|zl):/i, ""),
-      };
+      });
     },
     collectWarnings: ({ account, cfg }) => {
       const defaultGroupPolicy = resolveDefaultGroupPolicy(cfg);

extensions/zalouser/src/channel.ts

@@ -1,3 +1,4 @@
+import { buildAccountScopedDmSecurityPolicy } from "openclaw/plugin-sdk";
 import type {
   ChannelAccountSnapshot,
   ChannelDirectoryEntry,
@@ -18,11 +19,9 @@ import {
   chunkTextForOutbound,
   deleteAccountFromConfigSection,
   formatAllowFromLowercase,
-  formatPairingApproveHint,
   isNumericTargetId,
   migrateBaseNameToDefaultAccount,
   normalizeAccountId,
-  resolveChannelAccountConfigBasePath,
   sendPayloadWithChunkedTextAndMedia,
   setAccountEnabledInConfigSection,
 } from "openclaw/plugin-sdk/zalouser";
@@ -282,20 +281,16 @@ export const zalouserPlugin: ChannelPlugin<ResolvedZalouserAccount> = {
   },
   security: {
     resolveDmPolicy: ({ cfg, accountId, account }) => {
-      const resolvedAccountId = accountId ?? account.accountId ?? DEFAULT_ACCOUNT_ID;
-      const basePath = resolveChannelAccountConfigBasePath({
+      return buildAccountScopedDmSecurityPolicy({
         cfg,
         channelKey: "zalouser",
-        accountId: resolvedAccountId,
-      });
-      return {
-        policy: account.config.dmPolicy ?? "pairing",
+        accountId,
+        fallbackAccountId: account.accountId ?? DEFAULT_ACCOUNT_ID,
+        policy: account.config.dmPolicy,
         allowFrom: account.config.allowFrom ?? [],
-        policyPath: `${basePath}dmPolicy`,
-        allowFromPath: basePath,
-        approveHint: formatPairingApproveHint("zalouser"),
+        policyPathSuffix: "dmPolicy",
         normalizeEntry: (raw) => raw.replace(/^(zalouser|zlu):/i, ""),
-      };
+      });
     },
   },
   groups: {

src/channels/plugins/helpers.test.ts

@@ -0,0 +1,95 @@
+import { describe, expect, it } from "vitest";
+import type { OpenClawConfig } from "../../config/config.js";
+import { buildAccountScopedDmSecurityPolicy, formatPairingApproveHint } from "./helpers.js";
+
+function cfgWithChannel(channelKey: string, accounts?: Record<string, unknown>): OpenClawConfig {
+  return {
+    channels: {
+      [channelKey]: accounts ? { accounts } : {},
+    },
+  } as unknown as OpenClawConfig;
+}
+
+describe("buildAccountScopedDmSecurityPolicy", () => {
+  it("builds top-level dm policy paths when no account config exists", () => {
+    expect(
+      buildAccountScopedDmSecurityPolicy({
+        cfg: cfgWithChannel("telegram"),
+        channelKey: "telegram",
+        fallbackAccountId: "default",
+        policy: "pairing",
+        allowFrom: ["123"],
+        policyPathSuffix: "dmPolicy",
+      }),
+    ).toEqual({
+      policy: "pairing",
+      allowFrom: ["123"],
+      policyPath: "channels.telegram.dmPolicy",
+      allowFromPath: "channels.telegram.",
+      approveHint: formatPairingApproveHint("telegram"),
+      normalizeEntry: undefined,
+    });
+  });
+
+  it("uses account-scoped paths when account config exists", () => {
+    expect(
+      buildAccountScopedDmSecurityPolicy({
+        cfg: cfgWithChannel("signal", { work: {} }),
+        channelKey: "signal",
+        accountId: "work",
+        fallbackAccountId: "default",
+        policy: "allowlist",
+        allowFrom: ["+12125551212"],
+        policyPathSuffix: "dmPolicy",
+      }),
+    ).toEqual({
+      policy: "allowlist",
+      allowFrom: ["+12125551212"],
+      policyPath: "channels.signal.accounts.work.dmPolicy",
+      allowFromPath: "channels.signal.accounts.work.",
+      approveHint: formatPairingApproveHint("signal"),
+      normalizeEntry: undefined,
+    });
+  });
+
+  it("supports nested dm paths without explicit policyPath", () => {
+    expect(
+      buildAccountScopedDmSecurityPolicy({
+        cfg: cfgWithChannel("discord", { work: {} }),
+        channelKey: "discord",
+        accountId: "work",
+        policy: "pairing",
+        allowFrom: [],
+        allowFromPathSuffix: "dm.",
+      }),
+    ).toEqual({
+      policy: "pairing",
+      allowFrom: [],
+      policyPath: undefined,
+      allowFromPath: "channels.discord.accounts.work.dm.",
+      approveHint: formatPairingApproveHint("discord"),
+      normalizeEntry: undefined,
+    });
+  });
+
+  it("supports custom defaults and approve hints", () => {
+    expect(
+      buildAccountScopedDmSecurityPolicy({
+        cfg: cfgWithChannel("synology-chat"),
+        channelKey: "synology-chat",
+        fallbackAccountId: "default",
+        allowFrom: ["user-1"],
+        defaultPolicy: "allowlist",
+        policyPathSuffix: "dmPolicy",
+        approveHint: "openclaw pairing approve synology-chat <code>",
+      }),
+    ).toEqual({
+      policy: "allowlist",
+      allowFrom: ["user-1"],
+      policyPath: "channels.synology-chat.dmPolicy",
+      allowFromPath: "channels.synology-chat.",
+      approveHint: "openclaw pairing approve synology-chat <code>",
+      normalizeEntry: undefined,
+    });
+  });
+});

src/channels/plugins/helpers.ts

@@ -1,6 +1,7 @@
 import { formatCliCommand } from "../../cli/command-format.js";
 import type { OpenClawConfig } from "../../config/config.js";
 import { DEFAULT_ACCOUNT_ID } from "../../routing/session-key.js";
+import type { ChannelSecurityDmPolicy } from "./types.core.js";
 import type { ChannelPlugin } from "./types.js";
 
 // Channel docking helper: use this when selecting the default account for a plugin.
@@ -18,3 +19,40 @@ export function formatPairingApproveHint(channelId: string): string {
   const approveCmd = formatCliCommand(`openclaw pairing approve ${channelId} <code>`);
   return `Approve via: ${listCmd} / ${approveCmd}`;
 }
+
+export function buildAccountScopedDmSecurityPolicy(params: {
+  cfg: OpenClawConfig;
+  channelKey: string;
+  accountId?: string | null;
+  fallbackAccountId?: string | null;
+  policy?: string | null;
+  allowFrom?: Array<string | number> | null;
+  defaultPolicy?: string;
+  allowFromPathSuffix?: string;
+  policyPathSuffix?: string;
+  approveChannelId?: string;
+  approveHint?: string;
+  normalizeEntry?: (raw: string) => string;
+}): ChannelSecurityDmPolicy {
+  const resolvedAccountId = params.accountId ?? params.fallbackAccountId ?? DEFAULT_ACCOUNT_ID;
+  const channelConfig = (params.cfg.channels as Record<string, unknown> | undefined)?.[
+    params.channelKey
+  ] as { accounts?: Record<string, unknown> } | undefined;
+  const useAccountPath = Boolean(channelConfig?.accounts?.[resolvedAccountId]);
+  const basePath = useAccountPath
+    ? `channels.${params.channelKey}.accounts.${resolvedAccountId}.`
+    : `channels.${params.channelKey}.`;
+  const allowFromPath = `${basePath}${params.allowFromPathSuffix ?? ""}`;
+  const policyPath =
+    params.policyPathSuffix != null ? `${basePath}${params.policyPathSuffix}` : undefined;
+
+  return {
+    policy: params.policy ?? params.defaultPolicy ?? "pairing",
+    allowFrom: params.allowFrom ?? [],
+    policyPath,
+    allowFromPath,
+    approveHint:
+      params.approveHint ?? formatPairingApproveHint(params.approveChannelId ?? params.channelKey),
+    normalizeEntry: params.normalizeEntry,
+  };
+}

src/plugin-sdk/index.ts

@@ -537,7 +537,10 @@ export {
   buildOpenGroupPolicyRestrictSendersWarning,
   buildOpenGroupPolicyWarning,
 } from "../channels/plugins/group-policy-warnings.js";
-export { formatPairingApproveHint } from "../channels/plugins/helpers.js";
+export {
+  buildAccountScopedDmSecurityPolicy,
+  formatPairingApproveHint,
+} from "../channels/plugins/helpers.js";
 export { PAIRING_APPROVED_MESSAGE } from "../channels/plugins/pairing-message.js";
 
 export type {