diff --git a/extensions/matrix/src/matrix/client/storage.test.ts b/extensions/matrix/src/matrix/client/storage.test.ts
index 13369dad23a..30181e74d52 100644
--- a/extensions/matrix/src/matrix/client/storage.test.ts
+++ b/extensions/matrix/src/matrix/client/storage.test.ts
@@ -28,6 +28,7 @@ vi.mock("../../../../../src/infra/backup-create.js", async (importOriginal) => {
 });
 
 let maybeMigrateLegacyStorage: typeof import("./storage.js").maybeMigrateLegacyStorage;
+let resolveMatrixStateFilePath: typeof import("./storage.js").resolveMatrixStateFilePath;
 let resolveMatrixStoragePaths: typeof import("./storage.js").resolveMatrixStoragePaths;
 
 describe("matrix client storage paths", () => {
@@ -39,7 +40,8 @@ describe("matrix client storage paths", () => {
   };
 
   beforeAll(async () => {
-    ({ maybeMigrateLegacyStorage, resolveMatrixStoragePaths } = await import("./storage.js"));
+    ({ maybeMigrateLegacyStorage, resolveMatrixStateFilePath, resolveMatrixStoragePaths } =
+      await import("./storage.js"));
   });
 
   afterEach(() => {
@@ -111,6 +113,26 @@ describe("matrix client storage paths", () => {
     });
   }
 
+  it("resolves state file paths inside the selected storage root", () => {
+    setupStateDir();
+    const filePath = resolveMatrixStateFilePath({
+      auth: {
+        ...defaultStorageAuth,
+        accountId: "ops",
+        deviceId: "DEVICE1",
+      },
+      filename: "thread-bindings.json",
+      env: {},
+    });
+
+    expect(filePath).toBe(
+      path.join(
+        resolveDefaultStoragePaths({ accountId: "ops", deviceId: "DEVICE1" }).rootDir,
+        "thread-bindings.json",
+      ),
+    );
+  });
+
   function writeLegacyMatrixStorage(
     stateDir: string,
     params: {
diff --git a/extensions/matrix/src/matrix/client/storage.ts b/extensions/matrix/src/matrix/client/storage.ts
index 887834e0122..8ef49bca4aa 100644
--- a/extensions/matrix/src/matrix/client/storage.ts
+++ b/extensions/matrix/src/matrix/client/storage.ts
@@ -11,6 +11,7 @@ import {
   resolveMatrixAccountStorageRoot,
   resolveMatrixLegacyFlatStoragePaths,
 } from "../../storage-paths.js";
+import type { MatrixAuth } from "./types.js";
 import type { MatrixStoragePaths } from "./types.js";
 
 export const DEFAULT_ACCOUNT_KEY = "default";
@@ -293,6 +294,25 @@ export function resolveMatrixStoragePaths(params: {
   };
 }
 
+export function resolveMatrixStateFilePath(params: {
+  auth: MatrixAuth;
+  filename: string;
+  accountId?: string | null;
+  env?: NodeJS.ProcessEnv;
+  stateDir?: string;
+}): string {
+  const storagePaths = resolveMatrixStoragePaths({
+    homeserver: params.auth.homeserver,
+    userId: params.auth.userId,
+    accessToken: params.auth.accessToken,
+    accountId: params.accountId ?? params.auth.accountId,
+    deviceId: params.auth.deviceId,
+    env: params.env,
+    stateDir: params.stateDir,
+  });
+  return path.join(storagePaths.rootDir, params.filename);
+}
+
 export async function maybeMigrateLegacyStorage(params: {
   storagePaths: MatrixStoragePaths;
   env?: NodeJS.ProcessEnv;
diff --git a/extensions/matrix/src/matrix/monitor/inbound-dedupe.ts b/extensions/matrix/src/matrix/monitor/inbound-dedupe.ts
index 43dd5fc303b..035206d78dd 100644
--- a/extensions/matrix/src/matrix/monitor/inbound-dedupe.ts
+++ b/extensions/matrix/src/matrix/monitor/inbound-dedupe.ts
@@ -1,7 +1,6 @@
-import path from "node:path";
 import { readJsonFileWithFallback, writeJsonFileAtomically } from "../../runtime-api.js";
 import { createAsyncLock } from "../async-lock.js";
-import { resolveMatrixStoragePaths } from "../client/storage.js";
+import { resolveMatrixStateFilePath } from "../client/storage.js";
 import type { MatrixAuth } from "../client/types.js";
 import { LogService } from "../sdk/logger.js";
 
@@ -44,16 +43,12 @@ function resolveInboundDedupeStatePath(params: {
   env?: NodeJS.ProcessEnv;
   stateDir?: string;
 }): string {
-  const storagePaths = resolveMatrixStoragePaths({
-    homeserver: params.auth.homeserver,
-    userId: params.auth.userId,
-    accessToken: params.auth.accessToken,
-    accountId: params.auth.accountId,
-    deviceId: params.auth.deviceId,
+  return resolveMatrixStateFilePath({
+    auth: params.auth,
     env: params.env,
     stateDir: params.stateDir,
+    filename: INBOUND_DEDUPE_FILENAME,
   });
-  return path.join(storagePaths.rootDir, INBOUND_DEDUPE_FILENAME);
 }
 
 function normalizeTimestamp(raw: unknown): number | null {
diff --git a/extensions/matrix/src/matrix/thread-bindings.test.ts b/extensions/matrix/src/matrix/thread-bindings.test.ts
index a22243b2147..663a5887d16 100644
--- a/extensions/matrix/src/matrix/thread-bindings.test.ts
+++ b/extensions/matrix/src/matrix/thread-bindings.test.ts
@@ -8,7 +8,7 @@ import {
 } from "../../../../src/infra/outbound/session-binding-service.js";
 import type { PluginRuntime } from "../../runtime-api.js";
 import { setMatrixRuntime } from "../runtime.js";
-import { resolveMatrixStoragePaths } from "./client/storage.js";
+import { resolveMatrixStateFilePath, resolveMatrixStoragePaths } from "./client/storage.js";
 import {
   createMatrixThreadBindingManager,
   resetMatrixThreadBindingsForTests,
@@ -87,14 +87,12 @@ describe("matrix thread bindings", () => {
   }
 
   function resolveBindingsFilePath(customStateDir?: string) {
-    return path.join(
-      resolveMatrixStoragePaths({
-        ...auth,
-        env: process.env,
-        ...(customStateDir ? { stateDir: customStateDir } : {}),
-      }).rootDir,
-      "thread-bindings.json",
-    );
+    return resolveMatrixStateFilePath({
+      auth,
+      env: process.env,
+      ...(customStateDir ? { stateDir: customStateDir } : {}),
+      filename: "thread-bindings.json",
+    });
   }
 
   async function readPersistedLastActivityAt(bindingsPath: string) {
diff --git a/extensions/matrix/src/matrix/thread-bindings.ts b/extensions/matrix/src/matrix/thread-bindings.ts
index 1bc3945ccc2..69b04a7f98c 100644
--- a/extensions/matrix/src/matrix/thread-bindings.ts
+++ b/extensions/matrix/src/matrix/thread-bindings.ts
@@ -1,4 +1,3 @@
-import path from "node:path";
 import type { SessionBindingAdapter } from "openclaw/plugin-sdk/conversation-runtime";
 import {
   readJsonFileWithFallback,
@@ -8,7 +7,7 @@ import {
   unregisterSessionBindingAdapter,
   writeJsonFileAtomically,
 } from "../runtime-api.js";
-import { resolveMatrixStoragePaths } from "./client/storage.js";
+import { resolveMatrixStateFilePath } from "./client/storage.js";
 import type { MatrixAuth } from "./client/types.js";
 import type { MatrixClient } from "./sdk.js";
 import { sendMessageMatrix } from "./send.js";
@@ -62,16 +61,13 @@ function resolveBindingsPath(params: {
   env?: NodeJS.ProcessEnv;
   stateDir?: string;
 }): string {
-  const storagePaths = resolveMatrixStoragePaths({
-    homeserver: params.auth.homeserver,
-    userId: params.auth.userId,
-    accessToken: params.auth.accessToken,
+  return resolveMatrixStateFilePath({
+    auth: params.auth,
     accountId: params.accountId,
-    deviceId: params.auth.deviceId,
     env: params.env,
     stateDir: params.stateDir,
+    filename: "thread-bindings.json",
   });
-  return path.join(storagePaths.rootDir, "thread-bindings.json");
 }
 
 async function loadBindingsFromDisk(filePath: string, accountId: string) {