diff --git a/extensions/matrix/src/matrix/accounts.ts b/extensions/matrix/src/matrix/accounts.ts
index 802564241..f761732af 100644
--- a/extensions/matrix/src/matrix/accounts.ts
+++ b/extensions/matrix/src/matrix/accounts.ts
@@ -1,5 +1,5 @@
 import { DEFAULT_ACCOUNT_ID, normalizeAccountId } from "openclaw/plugin-sdk";
-import type { CoreConfig, MatrixConfig } from "../types.js";
+import type { CoreConfig, MatrixAccountConfig, MatrixConfig } from "../types.js";
 import { resolveMatrixConfig } from "./client.js";
 import { credentialsMatchConfig, loadMatrixCredentials } from "./credentials.js";
 
@@ -10,11 +10,53 @@ export type ResolvedMatrixAccount = {
   configured: boolean;
   homeserver?: string;
   userId?: string;
-  config: MatrixConfig;
+  accessToken?: string;
+  config: MatrixAccountConfig;
 };
 
-export function listMatrixAccountIds(_cfg: CoreConfig): string[] {
-  return [DEFAULT_ACCOUNT_ID];
+/**
+ * List account IDs explicitly configured in channels.matrix.accounts
+ */
+function listConfiguredAccountIds(cfg: CoreConfig): string[] {
+  const accounts = cfg.channels?.matrix?.accounts;
+  if (!accounts || typeof accounts !== "object") {
+    return [];
+  }
+  const ids = new Set<string>();
+  for (const key of Object.keys(accounts)) {
+    if (!key) continue;
+    ids.add(normalizeAccountId(key));
+  }
+  return [...ids];
+}
+
+/**
+ * List account IDs referenced in bindings for matrix channel
+ */
+function listBoundAccountIds(cfg: CoreConfig): string[] {
+  const bindings = cfg.bindings;
+  if (!Array.isArray(bindings)) return [];
+  const ids = new Set<string>();
+  for (const binding of bindings) {
+    if (binding.match?.channel === "matrix" && binding.match?.accountId) {
+      ids.add(normalizeAccountId(binding.match.accountId));
+    }
+  }
+  return [...ids];
+}
+
+/**
+ * List all Matrix account IDs (configured + bound)
+ */
+export function listMatrixAccountIds(cfg: CoreConfig): string[] {
+  const ids = Array.from(
+    new Set([
+      DEFAULT_ACCOUNT_ID,
+      ...listConfiguredAccountIds(cfg),
+      ...listBoundAccountIds(cfg),
+    ]),
+  );
+  return ids.toSorted((a, b) => a.localeCompare(b));
 }
 
 export function resolveDefaultMatrixAccountId(cfg: CoreConfig): string {
@@ -23,41 +65,100 @@ export function resolveDefaultMatrixAccountId(cfg: CoreConfig): string {
   return ids[0] ?? DEFAULT_ACCOUNT_ID;
 }
 
+/**
+ * Get account-specific config from channels.matrix.accounts[accountId]
+ */
+function resolveAccountConfig(
+  cfg: CoreConfig,
+  accountId: string,
+): MatrixAccountConfig | undefined {
+  const accounts = cfg.channels?.matrix?.accounts;
+  if (!accounts || typeof accounts !== "object") {
+    return undefined;
+  }
+  const direct = accounts[accountId] as MatrixAccountConfig | undefined;
+  if (direct) return direct;
+  
+  const normalized = normalizeAccountId(accountId);
+  const matchKey = Object.keys(accounts).find(
+    (key) => normalizeAccountId(key) === normalized
+  );
+  return matchKey ? (accounts[matchKey] as MatrixAccountConfig | undefined) : undefined;
+}
+
+/**
+ * Merge base matrix config with account-specific overrides
+ */
+function mergeMatrixAccountConfig(cfg: CoreConfig, accountId: string): MatrixAccountConfig {
+  const base = cfg.channels?.matrix ?? {};
+  // Extract base config without 'accounts' key
+  const { accounts: _ignored, ...baseConfig } = base as MatrixConfig;
+  const accountConfig = resolveAccountConfig(cfg, accountId) ?? {};
+  
+  // Account config overrides base config
+  return { ...baseConfig, ...accountConfig };
+}
+
 export function resolveMatrixAccount(params: {
   cfg: CoreConfig;
   accountId?: string | null;
 }): ResolvedMatrixAccount {
   const accountId = normalizeAccountId(params.accountId);
-  const base = (params.cfg.channels?.matrix ?? {}) as MatrixConfig;
-  const enabled = base.enabled !== false;
-  const resolved = resolveMatrixConfig(params.cfg, process.env);
-  const hasHomeserver = Boolean(resolved.homeserver);
-  const hasUserId = Boolean(resolved.userId);
-  const hasAccessToken = Boolean(resolved.accessToken);
-  const hasPassword = Boolean(resolved.password);
+  const merged = mergeMatrixAccountConfig(params.cfg, accountId);
+  
+  // Check if this is a non-default account - use account-specific auth
+  const isDefaultAccount = accountId === DEFAULT_ACCOUNT_ID || accountId === "default";
+  
+  // For non-default accounts, use account-specific credentials
+  // For default account, use base config or env
+  let homeserver = merged.homeserver;
+  let userId = merged.userId;
+  let accessToken = merged.accessToken;
+  
+  if (isDefaultAccount) {
+    // Default account can fall back to env vars
+    const resolved = resolveMatrixConfig(params.cfg, process.env);
+    homeserver = homeserver || resolved.homeserver;
+    userId = userId || resolved.userId;
+    accessToken = accessToken || resolved.accessToken;
+  }
+  
+  const baseEnabled = params.cfg.channels?.matrix?.enabled !== false;
+  const accountEnabled = merged.enabled !== false;
+  const enabled = baseEnabled && accountEnabled;
+  
+  const hasHomeserver = Boolean(homeserver);
+  const hasAccessToken = Boolean(accessToken);
+  const hasPassword = Boolean(merged.password);
+  const hasUserId = Boolean(userId);
   const hasPasswordAuth = hasUserId && hasPassword;
-  const stored = loadMatrixCredentials(process.env);
+  
+  // Check for stored credentials (only for default account)
+  const stored = isDefaultAccount ? loadMatrixCredentials(process.env) : null;
   const hasStored =
-    stored && resolved.homeserver
+    stored && homeserver
       ? credentialsMatchConfig(stored, {
-          homeserver: resolved.homeserver,
-          userId: resolved.userId || "",
+          homeserver: homeserver,
+          userId: userId || "",
         })
       : false;
+  
   const configured = hasHomeserver && (hasAccessToken || hasPasswordAuth || Boolean(hasStored));
+  
   return {
     accountId,
     enabled,
-    name: base.name?.trim() || undefined,
+    name: merged.name?.trim() || undefined,
     configured,
-    homeserver: resolved.homeserver || undefined,
-    userId: resolved.userId || undefined,
-    config: base,
+    homeserver: homeserver || undefined,
+    userId: userId || undefined,
+    accessToken: accessToken || undefined,
+    config: merged,
   };
 }
 
 export function listEnabledMatrixAccounts(cfg: CoreConfig): ResolvedMatrixAccount[] {
   return listMatrixAccountIds(cfg)
     .map((accountId) => resolveMatrixAccount({ cfg, accountId }))
-    .filter((account) => account.enabled);
+    .filter((account) => account.enabled && account.configured);
 }
diff --git a/extensions/matrix/src/matrix/client/config.ts b/extensions/matrix/src/matrix/client/config.ts
index 3dafcf724..cb9cc38b3 100644
--- a/extensions/matrix/src/matrix/client/config.ts
+++ b/extensions/matrix/src/matrix/client/config.ts
@@ -1,6 +1,7 @@
 import { MatrixClient } from "@vector-im/matrix-bot-sdk";
+import { DEFAULT_ACCOUNT_ID, normalizeAccountId } from "openclaw/plugin-sdk";
 
-import type { CoreConfig } from "../types.js";
+import type { CoreConfig, MatrixAccountConfig, MatrixConfig } from "../types.js";
 import { getMatrixRuntime } from "../../runtime.js";
 import { ensureMatrixSdkLoggingConfigured } from "./logging.js";
 import type { MatrixAuth, MatrixResolvedConfig } from "./types.js";
@@ -9,23 +10,60 @@ function clean(value?: string): string {
   return value?.trim() ?? "";
 }
 
+/**
+ * Get account-specific config from channels.matrix.accounts[accountId]
+ */
+function resolveAccountConfig(
+  cfg: CoreConfig,
+  accountId: string,
+): MatrixAccountConfig | undefined {
+  const accounts = cfg.channels?.matrix?.accounts;
+  if (!accounts || typeof accounts !== "object") {
+    return undefined;
+  }
+  const direct = accounts[accountId] as MatrixAccountConfig | undefined;
+  if (direct) return direct;
+  
+  const normalized = normalizeAccountId(accountId);
+  const matchKey = Object.keys(accounts).find(
+    (key) => normalizeAccountId(key) === normalized
+  );
+  return matchKey ? (accounts[matchKey] as MatrixAccountConfig | undefined) : undefined;
+}
+
+/**
+ * Merge base matrix config with account-specific overrides
+ */
+function mergeMatrixAccountConfig(cfg: CoreConfig, accountId: string): MatrixAccountConfig {
+  const base = cfg.channels?.matrix ?? {};
+  const { accounts: _ignored, ...baseConfig } = base as MatrixConfig;
+  const accountConfig = resolveAccountConfig(cfg, accountId) ?? {};
+  return { ...baseConfig, ...accountConfig };
+}
+
 export function resolveMatrixConfig(
   cfg: CoreConfig = getMatrixRuntime().config.loadConfig() as CoreConfig,
   env: NodeJS.ProcessEnv = process.env,
+  accountId?: string,
 ): MatrixResolvedConfig {
-  const matrix = cfg.channels?.matrix ?? {};
-  const homeserver = clean(matrix.homeserver) || clean(env.MATRIX_HOMESERVER);
-  const userId = clean(matrix.userId) || clean(env.MATRIX_USER_ID);
-  const accessToken =
-    clean(matrix.accessToken) || clean(env.MATRIX_ACCESS_TOKEN) || undefined;
-  const password = clean(matrix.password) || clean(env.MATRIX_PASSWORD) || undefined;
-  const deviceName =
-    clean(matrix.deviceName) || clean(env.MATRIX_DEVICE_NAME) || undefined;
+  const normalizedAccountId = normalizeAccountId(accountId);
+  const isDefaultAccount = normalizedAccountId === DEFAULT_ACCOUNT_ID || normalizedAccountId === "default";
+  
+  // Get merged config for this account
+  const merged = mergeMatrixAccountConfig(cfg, normalizedAccountId);
+  
+  // For default account, allow env var fallbacks
+  const homeserver = clean(merged.homeserver) || (isDefaultAccount ? clean(env.MATRIX_HOMESERVER) : "");
+  const userId = clean(merged.userId) || (isDefaultAccount ? clean(env.MATRIX_USER_ID) : "");
+  const accessToken = clean(merged.accessToken) || (isDefaultAccount ? clean(env.MATRIX_ACCESS_TOKEN) : "") || undefined;
+  const password = clean(merged.password) || (isDefaultAccount ? clean(env.MATRIX_PASSWORD) : "") || undefined;
+  const deviceName = clean(merged.deviceName) || (isDefaultAccount ? clean(env.MATRIX_DEVICE_NAME) : "") || undefined;
   const initialSyncLimit =
-    typeof matrix.initialSyncLimit === "number"
-      ? Math.max(0, Math.floor(matrix.initialSyncLimit))
+    typeof merged.initialSyncLimit === "number"
+      ? Math.max(0, Math.floor(merged.initialSyncLimit))
       : undefined;
-  const encryption = matrix.encryption ?? false;
+  const encryption = merged.encryption ?? false;
+  
   return {
     homeserver,
     userId,
@@ -40,14 +78,21 @@ export function resolveMatrixConfig(
 export async function resolveMatrixAuth(params?: {
   cfg?: CoreConfig;
   env?: NodeJS.ProcessEnv;
+  accountId?: string;
 }): Promise<MatrixAuth> {
   const cfg = params?.cfg ?? (getMatrixRuntime().config.loadConfig() as CoreConfig);
   const env = params?.env ?? process.env;
-  const resolved = resolveMatrixConfig(cfg, env);
+  const accountId = params?.accountId;
+  const resolved = resolveMatrixConfig(cfg, env, accountId);
+  
   if (!resolved.homeserver) {
-    throw new Error("Matrix homeserver is required (matrix.homeserver)");
+    throw new Error(`Matrix homeserver is required for account ${accountId ?? "default"} (matrix.homeserver)`);
   }
 
+  const normalizedAccountId = normalizeAccountId(accountId);
+  const isDefaultAccount = normalizedAccountId === DEFAULT_ACCOUNT_ID || normalizedAccountId === "default";
+
+  // Only use cached credentials for default account
   const {
     loadMatrixCredentials,
     saveMatrixCredentials,
@@ -55,7 +100,7 @@ export async function resolveMatrixAuth(params?: {
     touchMatrixCredentials,
   } = await import("../credentials.js");
 
-  const cached = loadMatrixCredentials(env);
+  const cached = isDefaultAccount ? loadMatrixCredentials(env) : null;
   const cachedCredentials =
     cached &&
     credentialsMatchConfig(cached, {
@@ -74,13 +119,15 @@ export async function resolveMatrixAuth(params?: {
       const tempClient = new MatrixClient(resolved.homeserver, resolved.accessToken);
       const whoami = await tempClient.getUserId();
       userId = whoami;
-      // Save the credentials with the fetched userId
-      saveMatrixCredentials({
-        homeserver: resolved.homeserver,
-        userId,
-        accessToken: resolved.accessToken,
-      });
-    } else if (cachedCredentials && cachedCredentials.accessToken === resolved.accessToken) {
+      // Only save credentials for default account
+      if (isDefaultAccount) {
+        saveMatrixCredentials({
+          homeserver: resolved.homeserver,
+          userId,
+          accessToken: resolved.accessToken,
+        });
+      }
+    } else if (isDefaultAccount && cachedCredentials && cachedCredentials.accessToken === resolved.accessToken) {
       touchMatrixCredentials(env);
     }
     return {
@@ -93,7 +140,8 @@ export async function resolveMatrixAuth(params?: {
     };
   }
 
-  if (cachedCredentials) {
+  // Try cached credentials (only for default account)
+  if (isDefaultAccount && cachedCredentials) {
     touchMatrixCredentials(env);
     return {
       homeserver: cachedCredentials.homeserver,
@@ -107,13 +155,13 @@ export async function resolveMatrixAuth(params?: {
 
   if (!resolved.userId) {
     throw new Error(
-      "Matrix userId is required when no access token is configured (matrix.userId)",
+      `Matrix userId is required for account ${accountId ?? "default"} when no access token is configured`,
     );
   }
 
   if (!resolved.password) {
     throw new Error(
-      "Matrix password is required when no access token is configured (matrix.password)",
+      `Matrix password is required for account ${accountId ?? "default"} when no access token is configured`,
     );
   }
 
@@ -131,7 +179,7 @@ export async function resolveMatrixAuth(params?: {
 
   if (!loginResponse.ok) {
     const errorText = await loginResponse.text();
-    throw new Error(`Matrix login failed: ${errorText}`);
+    throw new Error(`Matrix login failed for account ${accountId ?? "default"}: ${errorText}`);
   }
 
   const login = (await loginResponse.json()) as {
@@ -142,7 +190,7 @@ export async function resolveMatrixAuth(params?: {
 
   const accessToken = login.access_token?.trim();
   if (!accessToken) {
-    throw new Error("Matrix login did not return an access token");
+    throw new Error(`Matrix login did not return an access token for account ${accountId ?? "default"}`);
   }
 
   const auth: MatrixAuth = {
@@ -154,12 +202,15 @@ export async function resolveMatrixAuth(params?: {
     encryption: resolved.encryption,
   };
 
-  saveMatrixCredentials({
-    homeserver: auth.homeserver,
-    userId: auth.userId,
-    accessToken: auth.accessToken,
-    deviceId: login.device_id,
-  });
+  // Only save credentials for default account
+  if (isDefaultAccount) {
+    saveMatrixCredentials({
+      homeserver: auth.homeserver,
+      userId: auth.userId,
+      accessToken: auth.accessToken,
+      deviceId: login.device_id,
+    });
+  }
 
   return auth;
 }
diff --git a/extensions/matrix/src/matrix/monitor/index.ts b/extensions/matrix/src/matrix/monitor/index.ts
index ca3e745bb..14ff18d85 100644
--- a/extensions/matrix/src/matrix/monitor/index.ts
+++ b/extensions/matrix/src/matrix/monitor/index.ts
@@ -163,7 +163,7 @@ export async function monitorMatrixProvider(opts: MonitorMatrixOpts = {}): Promi
     },
   };
 
-  const auth = await resolveMatrixAuth({ cfg });
+  const auth = await resolveMatrixAuth({ cfg, accountId: opts.accountId });
   const resolvedInitialSyncLimit =
     typeof opts.initialSyncLimit === "number"
       ? Math.max(0, Math.floor(opts.initialSyncLimit))
diff --git a/extensions/matrix/src/types.ts b/extensions/matrix/src/types.ts
index f03734130..17ff35a7a 100644
--- a/extensions/matrix/src/types.ts
+++ b/extensions/matrix/src/types.ts
@@ -38,10 +38,10 @@ export type MatrixActionConfig = {
   channelInfo?: boolean;
 };
 
-export type MatrixConfig = {
+export type MatrixAccountConfig = {
   /** Optional display name for this account (used in CLI/UI lists). */
   name?: string;
-  /** If false, do not start Matrix. Default: true. */
+  /** If false, do not start this account. Default: true. */
   enabled?: boolean;
   /** Matrix homeserver URL (https://matrix.example.org). */
   homeserver?: string;
@@ -87,9 +87,22 @@ export type MatrixConfig = {
   actions?: MatrixActionConfig;
 };
 
+export type MatrixConfig = {
+  /** Optional per-account Matrix configuration (multi-account). */
+  accounts?: Record<string, MatrixAccountConfig>;
+} & MatrixAccountConfig;
+
 export type CoreConfig = {
   channels?: {
     matrix?: MatrixConfig;
   };
+  bindings?: Array<{
+    agentId?: string;
+    match?: {
+      channel?: string;
+      accountId?: string;
+      peer?: { kind?: string; id?: string };
+    };
+  }>;
   [key: string]: unknown;
 };