diff --git a/extensions/telegram/src/account-config.ts b/extensions/telegram/src/account-config.ts
index 76fb538c8ad0..52cbe11734ce 100644
--- a/extensions/telegram/src/account-config.ts
+++ b/extensions/telegram/src/account-config.ts
@@ -1,6 +1,6 @@
 import {
   normalizeAccountId,
-  resolveAccountEntry,
+  resolveNormalizedAccountEntry,
   type OpenClawConfig,
 } from "openclaw/plugin-sdk/account-core";
 import type { TelegramAccountConfig } from "openclaw/plugin-sdk/config-contracts";
@@ -49,7 +49,11 @@ export function resolveTelegramAccountConfig(
   accountId: string,
 ): TelegramAccountConfig | undefined {
   const normalized = normalizeAccountId(accountId);
-  return resolveAccountEntry(cfg.channels?.telegram?.accounts, normalized);
+  return resolveNormalizedAccountEntry(
+    cfg.channels?.telegram?.accounts,
+    normalized,
+    normalizeAccountId,
+  );
 }
 
 export function mergeTelegramAccountConfig(
diff --git a/extensions/telegram/src/account-inspect.test.ts b/extensions/telegram/src/account-inspect.test.ts
index f31c40bebd79..5031c352398a 100644
--- a/extensions/telegram/src/account-inspect.test.ts
+++ b/extensions/telegram/src/account-inspect.test.ts
@@ -80,6 +80,52 @@ describe("inspectTelegramAccount SecretRef resolution", () => {
     });
   });
 
+  it("matches runtime token lookup for account keys that need full normalization", () => {
+    const cfg: OpenClawConfig = {
+      channels: {
+        telegram: {
+          accounts: {
+            "Carey Notifications": {
+              botToken: "123:token",
+              reactionLevel: "ack",
+            },
+          },
+        },
+      },
+    };
+
+    const account = inspectTelegramAccount({
+      cfg,
+      accountId: "carey-notifications",
+    });
+
+    expect(account.accountId).toBe("carey-notifications");
+    expect(account.configured).toBe(true);
+    expect(account.tokenSource).toBe("config");
+    expect(account.tokenStatus).toBe("available");
+    expect(account.config.reactionLevel).toBe("ack");
+  });
+
+  it("blocks channel-token fallback for unknown scoped accounts in multi-account config", () => {
+    const cfg: OpenClawConfig = {
+      channels: {
+        telegram: {
+          botToken: "123:channel",
+          accounts: {
+            work: { botToken: "123:work" },
+          },
+        },
+      },
+    };
+
+    const account = inspectTelegramAccount({ cfg, accountId: "unknown" });
+
+    expect(account.accountId).toBe("unknown");
+    expect(account.configured).toBe(false);
+    expect(account.tokenSource).toBe("none");
+    expect(account.tokenStatus).toBe("missing");
+  });
+
   it.runIf(process.platform !== "win32")(
     "treats symlinked token files as configured_unavailable",
     () => {
diff --git a/extensions/telegram/src/account-inspect.ts b/extensions/telegram/src/account-inspect.ts
index 878796df3459..974bd3c0f3cf 100644
--- a/extensions/telegram/src/account-inspect.ts
+++ b/extensions/telegram/src/account-inspect.ts
@@ -130,6 +130,16 @@ function inspectTokenValue(params: { cfg: OpenClawConfig; value: unknown }): {
   return null;
 }
 
+function hasConfiguredTelegramAccounts(cfg: OpenClawConfig): boolean {
+  const accounts = cfg.channels?.telegram?.accounts;
+  return (
+    !!accounts &&
+    typeof accounts === "object" &&
+    !Array.isArray(accounts) &&
+    Object.keys(accounts).length > 0
+  );
+}
+
 function inspectTelegramAccountPrimary(params: {
   cfg: OpenClawConfig;
   accountId: string;
@@ -140,6 +150,10 @@ function inspectTelegramAccountPrimary(params: {
   const enabled = params.cfg.channels?.telegram?.enabled !== false && merged.enabled !== false;
 
   const accountConfig = resolveTelegramAccountConfig(params.cfg, accountId);
+  const allowChannelCredentialFallback =
+    accountId === DEFAULT_ACCOUNT_ID ||
+    !!accountConfig ||
+    !hasConfiguredTelegramAccounts(params.cfg);
   const accountTokenFile = inspectTokenFile(accountConfig?.tokenFile);
   if (accountTokenFile) {
     return {
@@ -168,35 +182,37 @@ function inspectTelegramAccountPrimary(params: {
     };
   }
 
-  const channelTokenFile = inspectTokenFile(params.cfg.channels?.telegram?.tokenFile);
-  if (channelTokenFile) {
-    return {
-      accountId,
-      enabled,
-      name: normalizeOptionalString(merged.name),
-      token: channelTokenFile.token,
-      tokenSource: channelTokenFile.tokenSource,
-      tokenStatus: channelTokenFile.tokenStatus,
-      configured: channelTokenFile.tokenStatus !== "missing",
-      config: merged,
-    };
-  }
+  if (allowChannelCredentialFallback) {
+    const channelTokenFile = inspectTokenFile(params.cfg.channels?.telegram?.tokenFile);
+    if (channelTokenFile) {
+      return {
+        accountId,
+        enabled,
+        name: normalizeOptionalString(merged.name),
+        token: channelTokenFile.token,
+        tokenSource: channelTokenFile.tokenSource,
+        tokenStatus: channelTokenFile.tokenStatus,
+        configured: channelTokenFile.tokenStatus !== "missing",
+        config: merged,
+      };
+    }
 
-  const channelToken = inspectTokenValue({
-    cfg: params.cfg,
-    value: params.cfg.channels?.telegram?.botToken,
-  });
-  if (channelToken) {
-    return {
-      accountId,
-      enabled,
-      name: normalizeOptionalString(merged.name),
-      token: channelToken.token,
-      tokenSource: channelToken.tokenSource,
-      tokenStatus: channelToken.tokenStatus,
-      configured: channelToken.tokenStatus !== "missing",
-      config: merged,
-    };
+    const channelToken = inspectTokenValue({
+      cfg: params.cfg,
+      value: params.cfg.channels?.telegram?.botToken,
+    });
+    if (channelToken) {
+      return {
+        accountId,
+        enabled,
+        name: normalizeOptionalString(merged.name),
+        token: channelToken.token,
+        tokenSource: channelToken.tokenSource,
+        tokenStatus: channelToken.tokenStatus,
+        configured: channelToken.tokenStatus !== "missing",
+        config: merged,
+      };
+    }
   }
 
   const allowEnv = accountId === DEFAULT_ACCOUNT_ID;
diff --git a/extensions/telegram/src/channel-actions.test.ts b/extensions/telegram/src/channel-actions.test.ts
index edb13c283972..c08295d09f08 100644
--- a/extensions/telegram/src/channel-actions.test.ts
+++ b/extensions/telegram/src/channel-actions.test.ts
@@ -316,4 +316,132 @@ describe("telegramMessageActions", () => {
       }
     }
   });
+
+  // Regression for #75433: prompt discovery reads raw config before the active
+  // runtime snapshot has resolved SecretRefs. Treat SecretRef-backed accounts
+  // as configured and keep advertising config-derived actions.
+  it("describes discovery when botToken is an unresolved SecretRef instead of crashing the embedded run", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          botToken: { source: "exec", provider: "default", id: "telegram-token" },
+          actions: {
+            reactions: true,
+            poll: false,
+          },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    const discovery = telegramMessageActions.describeMessageTool?.({ cfg });
+
+    expect(discovery?.actions).toContain("send");
+    expect(discovery?.actions).toContain("react");
+    expect(discovery?.actions).not.toContain("poll");
+  });
+
+  it("describes scoped account discovery when Telegram account token is an unresolved SecretRef", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          accounts: {
+            ops: {
+              botToken: { source: "exec", provider: "default", id: "telegram-ops" },
+              actions: {
+                reactions: false,
+                poll: true,
+              },
+            },
+          },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    const discovery = telegramMessageActions.describeMessageTool?.({
+      cfg,
+      accountId: "ops",
+    });
+
+    expect(discovery?.actions).toContain("send");
+    expect(discovery?.actions).toContain("poll");
+    expect(discovery?.actions).not.toContain("react");
+  });
+
+  it("matches runtime account-key normalization during SecretRef-tolerant discovery", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          accounts: {
+            "Carey Notifications": {
+              botToken: { source: "exec", provider: "default", id: "telegram-carey" },
+              actions: {
+                poll: true,
+                reactions: false,
+              },
+            },
+          },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    const discovery = telegramMessageActions.describeMessageTool?.({
+      cfg,
+      accountId: "carey-notifications",
+    });
+
+    expect(discovery?.actions).toContain("send");
+    expect(discovery?.actions).toContain("poll");
+    expect(discovery?.actions).not.toContain("react");
+  });
+
+  it("does not discover unknown scoped accounts via channel-level fallback in multi-account config", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          botToken: "tok-channel",
+          accounts: {
+            work: { botToken: "tok-work" },
+          },
+        },
+      },
+    } as OpenClawConfig;
+
+    expect(
+      telegramMessageActions.describeMessageTool?.({
+        cfg,
+        accountId: "unknown",
+      })?.actions,
+    ).toEqual([]);
+  });
+
+  it("keeps healthy Telegram accounts discoverable when a sibling token is an unresolved SecretRef", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          accounts: {
+            unresolved: {
+              botToken: { source: "exec", provider: "default", id: "telegram-unresolved" },
+              actions: {
+                reactions: false,
+                poll: false,
+              },
+            },
+            healthy: {
+              botToken: "tok-healthy",
+              actions: {
+                reactions: true,
+                poll: false,
+              },
+            },
+          },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    const discovery = telegramMessageActions.describeMessageTool?.({ cfg });
+
+    expect(discovery?.actions).toContain("send");
+    expect(discovery?.actions).toContain("react");
+    expect(discovery?.actions).not.toContain("poll");
+  });
 });
diff --git a/extensions/telegram/src/channel-actions.ts b/extensions/telegram/src/channel-actions.ts
index 27b24966b4d9..cdb9e219a5ef 100644
--- a/extensions/telegram/src/channel-actions.ts
+++ b/extensions/telegram/src/channel-actions.ts
@@ -12,10 +12,10 @@ import type {
 import type { TelegramActionConfig } from "openclaw/plugin-sdk/config-contracts";
 import { readStringValue } from "openclaw/plugin-sdk/string-coerce-runtime";
 import { extractToolSend } from "openclaw/plugin-sdk/tool-send";
+import { inspectTelegramAccount } from "./account-inspect.js";
 import {
   createTelegramActionGate,
-  listEnabledTelegramAccounts,
-  resolveTelegramAccount,
+  listTelegramAccountIds,
   resolveTelegramPollActionGateState,
 } from "./accounts.js";
 import { isTelegramInlineButtonsEnabled } from "./inline-buttons.js";
@@ -53,8 +53,11 @@ function resolveTelegramMessageActionName(action: ChannelMessageActionName) {
   return TELEGRAM_MESSAGE_ACTION_MAP[action as keyof typeof TELEGRAM_MESSAGE_ACTION_MAP];
 }
 
-function resolveTelegramActionDiscovery(cfg: Parameters<typeof listEnabledTelegramAccounts>[0]) {
-  const accounts = listTokenSourcedAccounts(listEnabledTelegramAccounts(cfg));
+function resolveTelegramActionDiscovery(cfg: Parameters<typeof listTelegramAccountIds>[0]) {
+  const inspected = listTelegramAccountIds(cfg)
+    .map((accountId) => inspectTelegramAccount({ cfg, accountId }))
+    .filter((account) => account.enabled && account.configured);
+  const accounts = listTokenSourcedAccounts(inspected);
   if (accounts.length === 0) {
     return null;
   }
@@ -83,14 +86,14 @@ function resolveTelegramActionDiscovery(cfg: Parameters<typeof listEnabledTelegr
 }
 
 function resolveScopedTelegramActionDiscovery(params: {
-  cfg: Parameters<typeof listEnabledTelegramAccounts>[0];
+  cfg: Parameters<typeof listTelegramAccountIds>[0];
   accountId?: string | null;
 }) {
   if (!params.accountId) {
     return resolveTelegramActionDiscovery(params.cfg);
   }
-  const account = resolveTelegramAccount({ cfg: params.cfg, accountId: params.accountId });
-  if (!account.enabled || account.tokenSource === "none") {
+  const account = inspectTelegramAccount({ cfg: params.cfg, accountId: params.accountId });
+  if (!account.enabled || !account.configured || account.tokenSource === "none") {
     return null;
   }
   const gate = createTelegramActionGate({
diff --git a/extensions/telegram/src/inline-buttons.test.ts b/extensions/telegram/src/inline-buttons.test.ts
index 2dd842a76715..4ef8a6e99d33 100644
--- a/extensions/telegram/src/inline-buttons.test.ts
+++ b/extensions/telegram/src/inline-buttons.test.ts
@@ -1,7 +1,12 @@
+import type { OpenClawConfig } from "openclaw/plugin-sdk/config-types";
 import { describe, expect, it } from "vitest";
 import { buildTelegramInteractiveButtons } from "./button-types.js";
 import { describeTelegramInteractiveButtonBehavior } from "./button-types.test-helpers.js";
-import { resolveTelegramTargetChatType } from "./inline-buttons.js";
+import {
+  isTelegramInlineButtonsEnabled,
+  resolveTelegramInlineButtonsScope,
+  resolveTelegramTargetChatType,
+} from "./inline-buttons.js";
 
 describe("resolveTelegramTargetChatType", () => {
   it("returns 'direct' for positive numeric IDs", () => {
@@ -85,3 +90,53 @@ describe("buildTelegramInteractiveButtons callback rewrites", () => {
     ]);
   });
 });
+
+describe("resolveTelegramInlineButtonsScope (#75433 SecretRef tolerance)", () => {
+  // Embedded prompt prep calls this from raw config before the active runtime
+  // snapshot has resolved channel credentials. Read-only account inspection
+  // keeps SecretRef-backed config readable without resolving the token.
+  it("preserves the default inline-buttons scope when botToken is an unresolved SecretRef", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          botToken: { source: "exec", provider: "default", id: "telegram-token" },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    expect(resolveTelegramInlineButtonsScope({ cfg })).toBe("allowlist");
+    expect(isTelegramInlineButtonsEnabled({ cfg })).toBe(true);
+  });
+
+  it('preserves configured "off" when botToken is an unresolved SecretRef', () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          botToken: { source: "exec", provider: "default", id: "telegram-token" },
+          capabilities: { inlineButtons: "off" },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    expect(resolveTelegramInlineButtonsScope({ cfg })).toBe("off");
+    expect(isTelegramInlineButtonsEnabled({ cfg })).toBe(false);
+  });
+
+  it("preserves scoped account inline-buttons config when the token is an unresolved SecretRef", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          accounts: {
+            ops: {
+              botToken: { source: "exec", provider: "default", id: "telegram-ops" },
+              capabilities: { inlineButtons: "all" },
+            },
+          },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    expect(resolveTelegramInlineButtonsScope({ cfg, accountId: "ops" })).toBe("all");
+    expect(isTelegramInlineButtonsEnabled({ cfg, accountId: "ops" })).toBe(true);
+  });
+});
diff --git a/extensions/telegram/src/inline-buttons.ts b/extensions/telegram/src/inline-buttons.ts
index 7f03f5064a21..4d2743f28ffc 100644
--- a/extensions/telegram/src/inline-buttons.ts
+++ b/extensions/telegram/src/inline-buttons.ts
@@ -4,7 +4,8 @@ import {
   normalizeLowercaseStringOrEmpty,
   normalizeOptionalLowercaseString,
 } from "openclaw/plugin-sdk/string-coerce-runtime";
-import { listTelegramAccountIds, resolveTelegramAccount } from "./accounts.js";
+import { inspectTelegramAccount } from "./account-inspect.js";
+import { listTelegramAccountIds } from "./accounts.js";
 
 const DEFAULT_INLINE_BUTTONS_SCOPE: TelegramInlineButtonsScope = "allowlist";
 
@@ -60,7 +61,7 @@ export function resolveTelegramInlineButtonsScope(params: {
   cfg: OpenClawConfig;
   accountId?: string | null;
 }): TelegramInlineButtonsScope {
-  const account = resolveTelegramAccount({ cfg: params.cfg, accountId: params.accountId });
+  const account = inspectTelegramAccount({ cfg: params.cfg, accountId: params.accountId });
   return resolveTelegramInlineButtonsScopeFromCapabilities(account.config.capabilities);
 }
 
diff --git a/extensions/telegram/src/reaction-level.test.ts b/extensions/telegram/src/reaction-level.test.ts
index 367793d82c60..575e27a9a4d2 100644
--- a/extensions/telegram/src/reaction-level.test.ts
+++ b/extensions/telegram/src/reaction-level.test.ts
@@ -136,4 +136,49 @@ describe("resolveTelegramReactionLevel", () => {
     const result = resolveTelegramReactionLevel({ cfg, accountId: "work" });
     expectMinimalFlags(result);
   });
+
+  // Regression for #75433: prompt-prep reaction guidance reads raw config
+  // before the active runtime snapshot has resolved channel credentials.
+  it("preserves configured reactionLevel when botToken is an unresolved SecretRef", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          botToken: { source: "exec", provider: "default", id: "telegram-token" },
+          reactionLevel: "off",
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    expect(() => resolveTelegramReactionLevel({ cfg })).not.toThrow();
+    const result = resolveTelegramReactionLevel({ cfg });
+    expectReactionFlags(result, {
+      level: "off",
+      ackEnabled: false,
+      agentReactionsEnabled: false,
+    });
+  });
+
+  it("preserves scoped account reactionLevel when token is an unresolved SecretRef", () => {
+    const cfg = {
+      channels: {
+        telegram: {
+          reactionLevel: "minimal",
+          accounts: {
+            ops: {
+              botToken: { source: "exec", provider: "default", id: "telegram-ops" },
+              reactionLevel: "ack",
+            },
+          },
+        },
+      },
+    } as unknown as OpenClawConfig;
+
+    expect(() => resolveTelegramReactionLevel({ cfg, accountId: "ops" })).not.toThrow();
+    const result = resolveTelegramReactionLevel({ cfg, accountId: "ops" });
+    expectReactionFlags(result, {
+      level: "ack",
+      ackEnabled: true,
+      agentReactionsEnabled: false,
+    });
+  });
 });
diff --git a/extensions/telegram/src/reaction-level.ts b/extensions/telegram/src/reaction-level.ts
index fb4e5484baf0..9f69faec4f2c 100644
--- a/extensions/telegram/src/reaction-level.ts
+++ b/extensions/telegram/src/reaction-level.ts
@@ -4,7 +4,7 @@ import {
   type ReactionLevel,
   type ResolvedReactionLevel as BaseResolvedReactionLevel,
 } from "openclaw/plugin-sdk/status-helpers";
-import { resolveTelegramAccount } from "./accounts.js";
+import { inspectTelegramAccount } from "./account-inspect.js";
 
 export type TelegramReactionLevel = ReactionLevel;
 export type ResolvedReactionLevel = BaseResolvedReactionLevel;
@@ -16,7 +16,7 @@ export function resolveTelegramReactionLevel(params: {
   cfg: OpenClawConfig;
   accountId?: string;
 }): ResolvedReactionLevel {
-  const account = resolveTelegramAccount({
+  const account = inspectTelegramAccount({
     cfg: params.cfg,
     accountId: params.accountId,
   });