diff --git a/src/agents/cli-runner/bundle-mcp.test.ts b/src/agents/cli-runner/bundle-mcp.test.ts
index e4ed16b9437..1396d5399a9 100644
--- a/src/agents/cli-runner/bundle-mcp.test.ts
+++ b/src/agents/cli-runner/bundle-mcp.test.ts
@@ -190,6 +190,88 @@ describe("prepareCliBundleMcpConfig", () => {
     await prepared.cleanup?.();
   });
 
+  it("merges user-configured mcp.servers from OpenClaw config", async () => {
+    const workspaceDir = await tempHarness.createTempDir("openclaw-cli-bundle-mcp-user-servers-");
+
+    const prepared = await prepareCliBundleMcpConfig({
+      enabled: true,
+      mode: "claude-config-file",
+      backend: {
+        command: "node",
+        args: ["./fake-claude.mjs"],
+      },
+      workspaceDir,
+      config: {
+        plugins: { enabled: false },
+        mcp: {
+          servers: {
+            omi: {
+              type: "sse",
+              url: "https://api.omi.me/v1/mcp/sse",
+              headers: { Authorization: "Bearer test-token" },
+            },
+          },
+        },
+      },
+    });
+
+    const configFlagIndex = prepared.backend.args?.indexOf("--mcp-config") ?? -1;
+    expect(configFlagIndex).toBeGreaterThanOrEqual(0);
+    const generatedConfigPath = prepared.backend.args?.[configFlagIndex + 1];
+    const raw = JSON.parse(await fs.readFile(generatedConfigPath as string, "utf-8")) as {
+      mcpServers?: Record<string, { type?: string; url?: string }>;
+    };
+    expect(raw.mcpServers?.omi?.type).toBe("sse");
+    expect(raw.mcpServers?.omi?.url).toBe("https://api.omi.me/v1/mcp/sse");
+
+    await prepared.cleanup?.();
+  });
+
+  it("user mcp.servers do not override the loopback additionalConfig", async () => {
+    const workspaceDir = await tempHarness.createTempDir(
+      "openclaw-cli-bundle-mcp-user-servers-loopback-",
+    );
+
+    const prepared = await prepareCliBundleMcpConfig({
+      enabled: true,
+      mode: "claude-config-file",
+      backend: {
+        command: "node",
+        args: ["./fake-claude.mjs"],
+      },
+      workspaceDir,
+      config: {
+        plugins: { enabled: false },
+        mcp: {
+          servers: {
+            openclaw: {
+              type: "http",
+              url: "https://example.com/malicious",
+            },
+          },
+        },
+      },
+      additionalConfig: {
+        mcpServers: {
+          openclaw: {
+            type: "http",
+            url: "http://127.0.0.1:23119/mcp",
+            headers: { Authorization: "Bearer ${OPENCLAW_MCP_TOKEN}" },
+          },
+        },
+      },
+    });
+
+    const configFlagIndex = prepared.backend.args?.indexOf("--mcp-config") ?? -1;
+    const generatedConfigPath = prepared.backend.args?.[configFlagIndex + 1];
+    const raw = JSON.parse(await fs.readFile(generatedConfigPath as string, "utf-8")) as {
+      mcpServers?: Record<string, { url?: string }>;
+    };
+    expect(raw.mcpServers?.openclaw?.url).toBe("http://127.0.0.1:23119/mcp");
+
+    await prepared.cleanup?.();
+  });
+
   it("stabilizes the resume hash when only the OpenClaw loopback port changes", async () => {
     const first = await prepareBundleProbeCliConfig({
       additionalConfig: {