diff --git a/src/agents/embedded-agent-runner/run.ts b/src/agents/embedded-agent-runner/run.ts
index 12e6611e61c8..e525a6a0670a 100644
--- a/src/agents/embedded-agent-runner/run.ts
+++ b/src/agents/embedded-agent-runner/run.ts
@@ -137,7 +137,7 @@ import {
   type PostCompactionGuardObservation,
 } from "./post-compaction-loop-guard.js";
 import { createEmbeddedRunReplayState, observeReplayMetadata } from "./replay-state.js";
-import { handleAssistantFailover } from "./run/assistant-failover.js";
+import { handleAssistantFailover, isShortWindowRateLimitMessage } from "./run/assistant-failover.js";
 import {
   createEmbeddedRunStageTracker,
   EMBEDDED_RUN_ATTEMPT_DISPATCH_STAGE,
@@ -1418,11 +1418,12 @@ async function runEmbeddedAgentInternal(
       };
       const resolveRunAuthProfileFailureReason = (
         failoverReason: FailoverReason | null,
-        opts?: { providerStarted?: boolean },
+        opts?: { providerStarted?: boolean; transientRateLimit?: boolean },
       ) =>
         resolveAuthProfileFailureReason({
           failoverReason,
           providerStarted: opts?.providerStarted,
+          transientRateLimit: opts?.transientRateLimit,
           policy: params.authProfileFailurePolicy,
         });
       const maybeBackoffBeforeOverloadFailover = async (reason: FailoverReason | null) => {
@@ -2695,6 +2696,9 @@ async function runEmbeddedAgentInternal(
               promptFailoverReason,
               {
                 providerStarted: promptErrorSource === "prompt",
+                transientRateLimit:
+                  promptFailoverReason === "rate_limit" &&
+                  isShortWindowRateLimitMessage(errorText),
               },
             );
             const promptFailoverFailure =
@@ -2865,6 +2869,9 @@ async function runEmbeddedAgentInternal(
             assistantProfileFailoverReason,
             {
               providerStarted: assistantProviderStarted,
+              transientRateLimit:
+                assistantProfileFailoverReason === "rate_limit" &&
+                isShortWindowRateLimitMessage(assistantForFailover?.errorMessage),
             },
           );
           const cloudCodeAssistFormatError = attempt.cloudCodeAssistFormatError;
diff --git a/src/agents/embedded-agent-runner/run/assistant-failover.ts b/src/agents/embedded-agent-runner/run/assistant-failover.ts
index f3e581818c9b..aa3b7b43aac9 100644
--- a/src/agents/embedded-agent-runner/run/assistant-failover.ts
+++ b/src/agents/embedded-agent-runner/run/assistant-failover.ts
@@ -110,6 +110,10 @@ function resolveShortWindowRateLimitRetry(
   return retryAfterSeconds !== null ? { retryAfterSeconds } : {};
 }
 
+export function isShortWindowRateLimitMessage(message: string | undefined): boolean {
+  return resolveShortWindowRateLimitRetry(message) !== null;
+}
+
 /**
  * Applies an assistant-stage failover decision and returns the next run action.
  * It owns auth-profile rotation, overload/rate-limit escalation, same-model
diff --git a/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.test.ts b/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.test.ts
index c2a03cd78267..3dcf39a05ab9 100644
--- a/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.test.ts
+++ b/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.test.ts
@@ -33,6 +33,40 @@ describe("resolveAuthProfileFailureReason", () => {
     ).toBeNull();
   });
 
+  it("keeps only transient local failures out of shared auth state", () => {
+    expect(
+      resolveAuthProfileFailureReason({
+        failoverReason: "rate_limit",
+        policy: "local_transient",
+      }),
+    ).toBe("rate_limit");
+    expect(
+      resolveAuthProfileFailureReason({
+        failoverReason: "rate_limit",
+        policy: "local_transient",
+        transientRateLimit: true,
+      }),
+    ).toBeNull();
+    expect(
+      resolveAuthProfileFailureReason({
+        failoverReason: "overloaded",
+        policy: "local_transient",
+      }),
+    ).toBeNull();
+    expect(
+      resolveAuthProfileFailureReason({
+        failoverReason: "auth",
+        policy: "local_transient",
+      }),
+    ).toBe("auth");
+    expect(
+      resolveAuthProfileFailureReason({
+        failoverReason: "billing",
+        policy: "local_transient",
+      }),
+    ).toBe("billing");
+  });
+
   it("only persists timeouts when the provider request started", () => {
     // Pre-provider timeout says nothing about credential health; started
     // provider timeouts can cool down the active profile.
diff --git a/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.ts b/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.ts
index 6b9b9f1f33c4..56025fe721c2 100644
--- a/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.ts
+++ b/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.ts
@@ -14,6 +14,7 @@ import type { AuthProfileFailurePolicy } from "./auth-profile-failure-policy.typ
 export function resolveAuthProfileFailureReason(params: {
   failoverReason: FailoverReason | null;
   providerStarted?: boolean;
+  transientRateLimit?: boolean;
   policy?: AuthProfileFailurePolicy;
 }): AuthProfileFailureReason | null {
   // Helper-local runs, transport/server failures, empty responses, and request-shape ("format") rejections
@@ -28,6 +29,9 @@ export function resolveAuthProfileFailureReason(params: {
   if (
     params.policy === "local" ||
     !params.failoverReason ||
+    (params.policy === "local_transient" &&
+      (params.failoverReason === "overloaded" ||
+        (params.failoverReason === "rate_limit" && params.transientRateLimit === true))) ||
     params.failoverReason === "server_error" ||
     params.failoverReason === "empty_response" ||
     params.failoverReason === "format"
diff --git a/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.types.ts b/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.types.ts
index 50caa6b11f9b..a99e9ea01f2a 100644
--- a/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.types.ts
+++ b/src/agents/embedded-agent-runner/run/auth-profile-failure-policy.types.ts
@@ -1,4 +1,4 @@
 /**
  * Scope used when classifying auth-profile failures for retry/fallback decisions.
  */
-export type AuthProfileFailurePolicy = "shared" | "local";
+export type AuthProfileFailurePolicy = "shared" | "local" | "local_transient";
diff --git a/src/cron/isolated-agent.auth-profile-propagation.test.ts b/src/cron/isolated-agent.auth-profile-propagation.test.ts
index 6931dc62d4b4..ac50119e6a89 100644
--- a/src/cron/isolated-agent.auth-profile-propagation.test.ts
+++ b/src/cron/isolated-agent.auth-profile-propagation.test.ts
@@ -1,5 +1,6 @@
 // Auth profile propagation tests cover isolated agent auth profile forwarding.
 import { describe, expect, it } from "vitest";
+import type { AuthProfileFailurePolicy } from "../agents/embedded-agent-runner/run/auth-profile-failure-policy.types.js";
 import {
   makeIsolatedAgentTurnJob,
   makeIsolatedAgentTurnParams,
@@ -15,7 +16,11 @@ import {
 
 const runCronIsolatedAgentTurn = await loadRunCronIsolatedAgentTurn();
 
-function getEmbeddedAgentParams(): { authProfileId?: string; authProfileIdSource?: string } {
+function getEmbeddedAgentParams(): {
+  authProfileId?: string;
+  authProfileIdSource?: string;
+  authProfileFailurePolicy?: AuthProfileFailurePolicy;
+} {
   const params = runEmbeddedAgentMock.mock.calls[0]?.[0];
   if (!params || typeof params !== "object" || Array.isArray(params)) {
     throw new Error("Expected embedded OpenClaw agent params to be an object");
@@ -23,9 +28,30 @@ function getEmbeddedAgentParams(): { authProfileId?: string; authProfileIdSource
   return params;
 }
 
-describe("runCronIsolatedAgentTurn auth profile propagation (#20624)", () => {
+describe("runCronIsolatedAgentTurn auth profile propagation (#20624, #90991)", () => {
   setupRunCronIsolatedAgentTurnSuite();
 
+  it("uses transient-local auth cooldown policy for cron throttling failures", async () => {
+    mockRunCronFallbackPassthrough();
+
+    await runCronIsolatedAgentTurn(
+      makeIsolatedAgentTurnParams({
+        job: makeIsolatedAgentTurnJob({
+          delivery: { mode: "none" },
+          payload: { kind: "agentTurn", message: "check status" },
+        }),
+        message: "check status",
+        sessionKey: "cron:job-1",
+        lane: "cron",
+      }),
+    );
+
+    expect(runEmbeddedAgentMock).toHaveBeenCalledOnce();
+    expect(getEmbeddedAgentParams()).toMatchObject({
+      authProfileFailurePolicy: "local_transient",
+    });
+  });
+
   it("passes authProfileId to runEmbeddedAgent when auth profiles exist", async () => {
     resolveConfiguredModelRefMock.mockReturnValue({
       provider: "openrouter",
diff --git a/src/cron/isolated-agent/run-executor.ts b/src/cron/isolated-agent/run-executor.ts
index 2775b266cb0b..df062a3c421e 100644
--- a/src/cron/isolated-agent/run-executor.ts
+++ b/src/cron/isolated-agent/run-executor.ts
@@ -304,6 +304,9 @@ export function createCronPromptExecutor(params: {
           authProfileIdSource: params.liveSelection.authProfileId
             ? params.liveSelection.authProfileIdSource
             : undefined,
+          // Scheduled run: keep bursty cron overloaded/rate_limit local, while
+          // still sharing real credential/account failures across auth profiles.
+          authProfileFailurePolicy: "local_transient",
           thinkLevel: params.thinkLevel,
           fastMode: resolveFastModeState({
             cfg: params.cfgWithAgentDefaults,