diff --git a/CHANGELOG.md b/CHANGELOG.md
index b7e204965d7..b281bf45d98 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -22,6 +22,7 @@ Docs: https://docs.openclaw.ai
 - Configure/startup: move outbound send-deps resolution into a lightweight helper so `openclaw configure` no longer stalls after the banner while eagerly loading channel plugins. (#46301) thanks @scoootscooob.
 - Zalo Personal/group gating: stop reapplying `dmPolicy.allowFrom` as a sender gate for already-allowlisted groups when `groupAllowFrom` is unset, so any member of an allowed group can trigger replies while DMs stay restricted. (#40146)
 - Plugins/install precedence: keep bundled plugins ahead of auto-discovered globals by default, but let an explicitly installed plugin record win its own duplicate-id tie so installed channel plugins load from `~/.openclaw/extensions` after `openclaw plugins install`.
+- Gateway/config views: strip embedded credentials from URL-based endpoint fields before returning read-only account and config snapshots. Thanks @vincentkoc.
 
 ### Fixes
 
diff --git a/src/channels/account-snapshot-fields.test.ts b/src/channels/account-snapshot-fields.test.ts
index 6ccd03ccc21..b6cf92a7836 100644
--- a/src/channels/account-snapshot-fields.test.ts
+++ b/src/channels/account-snapshot-fields.test.ts
@@ -24,4 +24,14 @@ describe("projectSafeChannelAccountSnapshotFields", () => {
       signingSecretStatus: "configured_unavailable", // pragma: allowlist secret
     });
   });
+
+  it("strips embedded credentials from baseUrl fields", () => {
+    const snapshot = projectSafeChannelAccountSnapshotFields({
+      baseUrl: "https://bob:secret@chat.example.test",
+    });
+
+    expect(snapshot).toEqual({
+      baseUrl: "https://chat.example.test/",
+    });
+  });
 });
diff --git a/src/channels/account-snapshot-fields.ts b/src/channels/account-snapshot-fields.ts
index 72d745beac0..b6eddbe9adf 100644
--- a/src/channels/account-snapshot-fields.ts
+++ b/src/channels/account-snapshot-fields.ts
@@ -30,6 +30,20 @@ function readTrimmedString(record: Record<string, unknown>, key: string): string
   return trimmed.length > 0 ? trimmed : undefined;
 }
 
+function stripUrlUserInfo(value: string): string {
+  try {
+    const parsed = new URL(value);
+    if (!parsed.username && !parsed.password) {
+      return value;
+    }
+    parsed.username = "";
+    parsed.password = "";
+    return parsed.toString();
+  } catch {
+    return value;
+  }
+}
+
 function readBoolean(record: Record<string, unknown>, key: string): boolean | undefined {
   return typeof record[key] === "boolean" ? record[key] : undefined;
 }
@@ -203,7 +217,7 @@ export function projectSafeChannelAccountSnapshotFields(
       : {}),
     ...projectCredentialSnapshotFields(account),
     ...(readTrimmedString(record, "baseUrl")
-      ? { baseUrl: readTrimmedString(record, "baseUrl") }
+      ? { baseUrl: stripUrlUserInfo(readTrimmedString(record, "baseUrl")!) }
       : {}),
     ...(readBoolean(record, "allowUnmentionedGroups") !== undefined
       ? { allowUnmentionedGroups: readBoolean(record, "allowUnmentionedGroups") }
diff --git a/src/config/redact-snapshot.test.ts b/src/config/redact-snapshot.test.ts
index e173be34ec8..6bb76b3030c 100644
--- a/src/config/redact-snapshot.test.ts
+++ b/src/config/redact-snapshot.test.ts
@@ -163,6 +163,22 @@ describe("redactConfigSnapshot", () => {
     expect(result.config).toEqual(snapshot.config);
   });
 
+  it("removes embedded credentials from URL-valued endpoint fields", () => {
+    const snapshot = makeSnapshot({
+      models: {
+        providers: {
+          openai: {
+            baseUrl: "https://alice:secret@example.test/v1",
+          },
+        },
+      },
+    });
+
+    const result = redactConfigSnapshot(snapshot);
+    const cfg = result.config as typeof snapshot.config;
+    expect(cfg.models.providers.openai.baseUrl).toBe("https://example.test/v1");
+  });
+
   it("does not redact maxTokens-style fields", () => {
     const snapshot = makeSnapshot({
       maxTokens: 16384,
diff --git a/src/config/redact-snapshot.ts b/src/config/redact-snapshot.ts
index a80d1debb03..65f5e70da5c 100644
--- a/src/config/redact-snapshot.ts
+++ b/src/config/redact-snapshot.ts
@@ -28,6 +28,24 @@ function isWholeObjectSensitivePath(path: string): boolean {
   return lowered.endsWith("serviceaccount") || lowered.endsWith("serviceaccountref");
 }
 
+function isUserInfoUrlPath(path: string): boolean {
+  return path.endsWith(".baseUrl") || path.endsWith(".httpUrl");
+}
+
+function stripUrlUserInfo(value: string): string {
+  try {
+    const parsed = new URL(value);
+    if (!parsed.username && !parsed.password) {
+      return value;
+    }
+    parsed.username = "";
+    parsed.password = "";
+    return parsed.toString();
+  } catch {
+    return value;
+  }
+}
+
 function collectSensitiveStrings(value: unknown, values: string[]): void {
   if (typeof value === "string") {
     if (!isEnvVarPlaceholder(value)) {
@@ -212,6 +230,8 @@ function redactObjectWithLookup(
           ) {
             // Keep primitives at explicitly-sensitive paths fully redacted.
             result[key] = REDACTED_SENTINEL;
+          } else if (typeof value === "string" && isUserInfoUrlPath(path)) {
+            result[key] = stripUrlUserInfo(value);
           }
           break;
         }
@@ -229,6 +249,8 @@ function redactObjectWithLookup(
         ) {
           result[key] = REDACTED_SENTINEL;
           values.push(value);
+        } else if (typeof value === "string" && isUserInfoUrlPath(path)) {
+          result[key] = stripUrlUserInfo(value);
         } else if (typeof value === "object" && value !== null) {
           result[key] = redactObjectGuessing(value, path, values, hints);
         }
@@ -293,6 +315,8 @@ function redactObjectGuessing(
       ) {
         collectSensitiveStrings(value, values);
         result[key] = REDACTED_SENTINEL;
+      } else if (typeof value === "string" && isUserInfoUrlPath(dotPath)) {
+        result[key] = stripUrlUserInfo(value);
       } else if (typeof value === "object" && value !== null) {
         result[key] = redactObjectGuessing(value, dotPath, values, hints);
       } else {