diff --git a/hermes_cli/auth.py b/hermes_cli/auth.py
index c67ddf2d9f..e984435bca 100644
--- a/hermes_cli/auth.py
+++ b/hermes_cli/auth.py
@@ -716,6 +716,57 @@ def get_active_provider() -> Optional[str]:
     return auth_store.get("active_provider")
 
 
+def is_provider_explicitly_configured(provider_id: str) -> bool:
+    """Return True only if the user has explicitly configured this provider.
+
+    Checks:
+      1. active_provider in auth.json matches
+      2. model.provider in config.yaml matches
+      3. Provider-specific env vars are set (e.g. ANTHROPIC_API_KEY)
+
+    This is used to gate auto-discovery of external credentials (e.g.
+    Claude Code's ~/.claude/.credentials.json) so they are never used
+    without the user's explicit choice.  See PR #4210 for the same
+    pattern applied to the setup wizard gate.
+    """
+    normalized = (provider_id or "").strip().lower()
+
+    # 1. Check auth.json active_provider
+    try:
+        auth_store = _load_auth_store()
+        active = (auth_store.get("active_provider") or "").strip().lower()
+        if active and active == normalized:
+            return True
+    except Exception:
+        pass
+
+    # 2. Check config.yaml model.provider
+    try:
+        from hermes_cli.config import load_config
+        cfg = load_config()
+        model_cfg = cfg.get("model")
+        if isinstance(model_cfg, dict):
+            cfg_provider = (model_cfg.get("provider") or "").strip().lower()
+            if cfg_provider == normalized:
+                return True
+    except Exception:
+        pass
+
+    # 3. Check provider-specific env vars
+    # Exclude CLAUDE_CODE_OAUTH_TOKEN — it's set by Claude Code itself,
+    # not by the user explicitly configuring anthropic in Hermes.
+    _IMPLICIT_ENV_VARS = {"CLAUDE_CODE_OAUTH_TOKEN"}
+    pconfig = PROVIDER_REGISTRY.get(normalized)
+    if pconfig and pconfig.auth_type == "api_key":
+        for env_var in pconfig.api_key_env_vars:
+            if env_var in _IMPLICIT_ENV_VARS:
+                continue
+            if has_usable_secret(os.getenv(env_var, "")):
+                return True
+
+    return False
+
+
 def clear_provider_auth(provider_id: Optional[str] = None) -> bool:
     """
     Clear auth state for a provider. Used by `hermes logout`.
diff --git a/tests/hermes_cli/test_auth_provider_gate.py b/tests/hermes_cli/test_auth_provider_gate.py
new file mode 100644
index 0000000000..2eacb71be7
--- /dev/null
+++ b/tests/hermes_cli/test_auth_provider_gate.py
@@ -0,0 +1,78 @@
+"""Tests for is_provider_explicitly_configured()."""
+
+import json
+import os
+import pytest
+
+
+def _write_config(tmp_path, config: dict) -> None:
+    hermes_home = tmp_path / "hermes"
+    hermes_home.mkdir(parents=True, exist_ok=True)
+    import yaml
+    (hermes_home / "config.yaml").write_text(yaml.dump(config))
+
+
+def _write_auth_store(tmp_path, payload: dict) -> None:
+    hermes_home = tmp_path / "hermes"
+    hermes_home.mkdir(parents=True, exist_ok=True)
+    (hermes_home / "auth.json").write_text(json.dumps(payload, indent=2))
+
+
+def test_returns_false_when_no_config(tmp_path, monkeypatch):
+    monkeypatch.setenv("HERMES_HOME", str(tmp_path / "hermes"))
+    (tmp_path / "hermes").mkdir(parents=True, exist_ok=True)
+
+    from hermes_cli.auth import is_provider_explicitly_configured
+    assert is_provider_explicitly_configured("anthropic") is False
+
+
+def test_returns_true_when_active_provider_matches(tmp_path, monkeypatch):
+    monkeypatch.setenv("HERMES_HOME", str(tmp_path / "hermes"))
+    _write_auth_store(tmp_path, {
+        "version": 1,
+        "providers": {},
+        "active_provider": "anthropic",
+    })
+
+    from hermes_cli.auth import is_provider_explicitly_configured
+    assert is_provider_explicitly_configured("anthropic") is True
+
+
+def test_returns_true_when_config_provider_matches(tmp_path, monkeypatch):
+    monkeypatch.setenv("HERMES_HOME", str(tmp_path / "hermes"))
+    _write_config(tmp_path, {"model": {"provider": "anthropic", "default": "claude-sonnet-4-6"}})
+
+    from hermes_cli.auth import is_provider_explicitly_configured
+    assert is_provider_explicitly_configured("anthropic") is True
+
+
+def test_returns_false_when_config_provider_is_different(tmp_path, monkeypatch):
+    monkeypatch.setenv("HERMES_HOME", str(tmp_path / "hermes"))
+    _write_config(tmp_path, {"model": {"provider": "kimi-coding", "default": "kimi-k2"}})
+    _write_auth_store(tmp_path, {
+        "version": 1,
+        "providers": {},
+        "active_provider": None,
+    })
+
+    from hermes_cli.auth import is_provider_explicitly_configured
+    assert is_provider_explicitly_configured("anthropic") is False
+
+
+def test_returns_true_when_anthropic_env_var_set(tmp_path, monkeypatch):
+    monkeypatch.setenv("HERMES_HOME", str(tmp_path / "hermes"))
+    monkeypatch.setenv("ANTHROPIC_API_KEY", "sk-ant-api03-realkey")
+    (tmp_path / "hermes").mkdir(parents=True, exist_ok=True)
+
+    from hermes_cli.auth import is_provider_explicitly_configured
+    assert is_provider_explicitly_configured("anthropic") is True
+
+
+def test_claude_code_oauth_token_does_not_count_as_explicit(tmp_path, monkeypatch):
+    """CLAUDE_CODE_OAUTH_TOKEN is set by Claude Code, not the user — must not gate."""
+    monkeypatch.setenv("HERMES_HOME", str(tmp_path / "hermes"))
+    monkeypatch.setenv("CLAUDE_CODE_OAUTH_TOKEN", "sk-ant-oat01-auto-token")
+    (tmp_path / "hermes").mkdir(parents=True, exist_ok=True)
+
+    from hermes_cli.auth import is_provider_explicitly_configured
+    assert is_provider_explicitly_configured("anthropic") is False