diff --git a/extensions/matrix/src/actions.test.ts b/extensions/matrix/src/actions.test.ts
index 7c7e5ef466d..60fe63c1dcf 100644
--- a/extensions/matrix/src/actions.test.ts
+++ b/extensions/matrix/src/actions.test.ts
@@ -78,4 +78,44 @@ describe("matrixMessageActions", () => {
     expect(actions).toContain("set-profile");
     expect(supportsAction!({ action: "set-profile" } as never)).toBe(true);
   });
+
+  it("hides gated actions when the default Matrix account disables them", () => {
+    const actions = matrixMessageActions.listActions!({
+      cfg: {
+        channels: {
+          matrix: {
+            defaultAccount: "assistant",
+            actions: {
+              messages: true,
+              reactions: true,
+              pins: true,
+              profile: true,
+              memberInfo: true,
+              channelInfo: true,
+              verification: true,
+            },
+            accounts: {
+              assistant: {
+                homeserver: "https://matrix.example.org",
+                userId: "@bot:example.org",
+                accessToken: "token",
+                encryption: true,
+                actions: {
+                  messages: false,
+                  reactions: false,
+                  pins: false,
+                  profile: false,
+                  memberInfo: false,
+                  channelInfo: false,
+                  verification: false,
+                },
+              },
+            },
+          },
+        },
+      } as CoreConfig,
+    } as never);
+
+    expect(actions).toEqual(["poll", "poll-vote"]);
+  });
 });
diff --git a/extensions/matrix/src/actions.ts b/extensions/matrix/src/actions.ts
index cb666a32c91..2954a1bae69 100644
--- a/extensions/matrix/src/actions.ts
+++ b/extensions/matrix/src/actions.ts
@@ -7,7 +7,7 @@ import {
   type ChannelMessageActionName,
   type ChannelToolSend,
 } from "openclaw/plugin-sdk/matrix";
-import { resolveMatrixAccount } from "./matrix/accounts.js";
+import { resolveDefaultMatrixAccountId, resolveMatrixAccount } from "./matrix/accounts.js";
 import { handleMatrixAction } from "./tool-actions.js";
 import type { CoreConfig } from "./types.js";
 
@@ -28,44 +28,56 @@ const MATRIX_PLUGIN_HANDLED_ACTIONS = new Set<ChannelMessageActionName>([
   "permissions",
 ]);
 
-function createMatrixExposedActions() {
-  return new Set<ChannelMessageActionName>(["poll", ...MATRIX_PLUGIN_HANDLED_ACTIONS]);
+function createMatrixExposedActions(params: {
+  gate: ReturnType<typeof createActionGate>;
+  encryptionEnabled: boolean;
+}) {
+  const actions = new Set<ChannelMessageActionName>(["poll", "poll-vote"]);
+  if (params.gate("messages")) {
+    actions.add("send");
+    actions.add("read");
+    actions.add("edit");
+    actions.add("delete");
+  }
+  if (params.gate("reactions")) {
+    actions.add("react");
+    actions.add("reactions");
+  }
+  if (params.gate("pins")) {
+    actions.add("pin");
+    actions.add("unpin");
+    actions.add("list-pins");
+  }
+  if (params.gate("profile")) {
+    actions.add("set-profile");
+  }
+  if (params.gate("memberInfo")) {
+    actions.add("member-info");
+  }
+  if (params.gate("channelInfo")) {
+    actions.add("channel-info");
+  }
+  if (params.encryptionEnabled && params.gate("verification")) {
+    actions.add("permissions");
+  }
+  return actions;
 }
 
 export const matrixMessageActions: ChannelMessageActionAdapter = {
   listActions: ({ cfg }) => {
-    const account = resolveMatrixAccount({ cfg: cfg as CoreConfig });
+    const resolvedCfg = cfg as CoreConfig;
+    const account = resolveMatrixAccount({
+      cfg: resolvedCfg,
+      accountId: resolveDefaultMatrixAccountId(resolvedCfg),
+    });
     if (!account.enabled || !account.configured) {
       return [];
     }
-    const gate = createActionGate((cfg as CoreConfig).channels?.["matrix"]?.actions);
-    const actions = createMatrixExposedActions();
-    if (gate("reactions")) {
-      actions.add("react");
-      actions.add("reactions");
-    }
-    if (gate("messages")) {
-      actions.add("read");
-      actions.add("edit");
-      actions.add("delete");
-    }
-    if (gate("pins")) {
-      actions.add("pin");
-      actions.add("unpin");
-      actions.add("list-pins");
-    }
-    if (gate("profile")) {
-      actions.add("set-profile");
-    }
-    if (gate("memberInfo")) {
-      actions.add("member-info");
-    }
-    if (gate("channelInfo")) {
-      actions.add("channel-info");
-    }
-    if (account.config.encryption === true && gate("verification")) {
-      actions.add("permissions");
-    }
+    const gate = createActionGate(account.config.actions);
+    const actions = createMatrixExposedActions({
+      gate,
+      encryptionEnabled: account.config.encryption === true,
+    });
     return Array.from(actions);
   },
   supportsAction: ({ action }) => MATRIX_PLUGIN_HANDLED_ACTIONS.has(action),
diff --git a/extensions/matrix/src/tool-actions.test.ts b/extensions/matrix/src/tool-actions.test.ts
index 10052c5ed79..476fed61cd7 100644
--- a/extensions/matrix/src/tool-actions.test.ts
+++ b/extensions/matrix/src/tool-actions.test.ts
@@ -281,4 +281,33 @@ describe("handleMatrixAction pollVote", () => {
       avatarPath: "/tmp/avatar.jpg",
     });
   });
+
+  it("respects account-scoped action overrides when gating direct tool actions", async () => {
+    await expect(
+      handleMatrixAction(
+        {
+          action: "sendMessage",
+          accountId: "ops",
+          to: "room:!room:example",
+          content: "hello",
+        },
+        {
+          channels: {
+            matrix: {
+              actions: {
+                messages: true,
+              },
+              accounts: {
+                ops: {
+                  actions: {
+                    messages: false,
+                  },
+                },
+              },
+            },
+          },
+        } as CoreConfig,
+      ),
+    ).rejects.toThrow("Matrix messages are disabled.");
+  });
 });
diff --git a/extensions/matrix/src/tool-actions.ts b/extensions/matrix/src/tool-actions.ts
index 22478f75236..3e82f4febb8 100644
--- a/extensions/matrix/src/tool-actions.ts
+++ b/extensions/matrix/src/tool-actions.ts
@@ -7,6 +7,7 @@ import {
   readStringArrayParam,
   readStringParam,
 } from "openclaw/plugin-sdk/matrix";
+import { resolveMatrixAccountConfig } from "./matrix/accounts.js";
 import {
   bootstrapMatrixVerification,
   acceptMatrixVerification,
@@ -131,7 +132,7 @@ export async function handleMatrixAction(
 ): Promise<AgentToolResult<unknown>> {
   const action = readStringParam(params, "action", { required: true });
   const accountId = readStringParam(params, "accountId") ?? undefined;
-  const isActionEnabled = createActionGate(cfg.channels?.["matrix"]?.actions);
+  const isActionEnabled = createActionGate(resolveMatrixAccountConfig({ cfg, accountId }).actions);
   const clientOpts = accountId ? { accountId } : {};
 
   if (reactionActions.has(action)) {