diff --git a/loopx/extensions/lark/manager_context.py b/loopx/extensions/lark/manager_context.py
index f564ac8264..b555989087 100644
--- a/loopx/extensions/lark/manager_context.py
+++ b/loopx/extensions/lark/manager_context.py
@@ -46,6 +46,10 @@ def manager_failure_reply(error: Exception) -> tuple[str, str]:
         "hard_timeout": "处理超过时间限制",
         "interrupted": "处理已中断",
         "manager_authorization_unavailable": "当前连接的授权范围不可用",
+        # The executor's own gate refused the call, which is what an exhausted
+        # credential or a revoked login looks like from the channel. Naming the
+        # executor keeps the owner from reading it as a manager defect.
+        "host_gate": "上游执行器拒绝本次调用（额度或授权），请在管家执行器一侧检查",
         "manager_channel_executor_rebind_required": (
             "管家的执行器已由本机设置更改，需要重新应用一次管家连接"
         ),
diff --git a/tests/test_manager_team_plan_guidance.py b/tests/test_manager_team_plan_guidance.py
index 9dd6c01e3b..c12ae7b817 100644
--- a/tests/test_manager_team_plan_guidance.py
+++ b/tests/test_manager_team_plan_guidance.py
@@ -28,3 +28,23 @@ def test_manager_guidance_orders_one_team_preview_before_any_effect() -> None:
     # An unstaffable lane is named as a gap rather than invented.
     assert "as a gap, with the missing registration or grant" in text
     assert "inventing a lane, an Agent, or a capability" in text
+
+
+def test_the_owner_visible_failure_names_the_executor_that_refused() -> None:
+    """A host gate is the executor's refusal, not a defect in the manager."""
+
+    from loopx.extensions.lark.manager_context import manager_failure_reply
+
+    class _Refused(RuntimeError):
+        error_code = "host_gate"
+
+    code, text = manager_failure_reply(_Refused("upstream refused"))
+
+    assert code == "host_gate"
+    assert "上游执行器" in text
+    assert "管家处理失败" not in text
+    # An unmapped code still falls back to the bounded generic label.
+    class _Unknown(RuntimeError):
+        error_code = "some_future_code"
+
+    assert manager_failure_reply(_Unknown("x"))[0] == "processing_failed"