diff --git a/internal/server/mcp_describe_direct_test.go b/internal/server/mcp_describe_direct_test.go
index 267611969..96eddcb5b 100644
--- a/internal/server/mcp_describe_direct_test.go
+++ b/internal/server/mcp_describe_direct_test.go
@@ -302,6 +302,69 @@ func TestDescribeDirect_ServerScopeGate(t *testing.T) {
 	assert.Equal(t, describeErrNotFound, byID["github__read_file"]["error"])
 }
 
+// TestDescribeDirect_ServerScopeGate_UserType is TestDescribeDirect_ServerScopeGate's
+// Spec 105 PR G regression: describe's isScopeRestrictedCaller gate must
+// scope-check a server-edition OAuth "user" exactly like an agent token, not
+// wave it through as an unrestricted (admin-like) caller — see
+// directEntryVisibleToSession, which must stay in parity with the listing
+// gate this same fix landed in (mcp_direct_scope.go).
+func TestDescribeDirect_ServerScopeGate_UserType(t *testing.T) {
+	p := newDirectDescribeProxy(t)
+
+	elsewhere := auth.WithAuthContext(context.Background(), &auth.AuthContext{
+		Type:           auth.AuthTypeUser,
+		UserID:         "u-other",
+		AllowedServers: []string{"gitlab"},
+	})
+
+	resp := callDescribeDirect(t, p, elsewhere, []interface{}{"github__read_file"})
+	assert.Empty(t, resp.Definitions)
+	byID := describeErrorsByID(resp)
+	require.Contains(t, byID, "github__read_file")
+	assert.Equal(t, describeErrNotFound, byID["github__read_file"]["error"])
+}
+
+// TestDescribeDirect_CallabilityGate_UserType is the describe-time half of
+// TestFilterDirectToolsForAgentCallability_UserTypeIsScopeRestrictedToo
+// (mcp_direct_callability_test.go), which only proved the listing side of
+// the fix. directEntryVisibleToSession runs directEntryInScope BEFORE
+// directEntryCallable, so a caller scoped OUT of the server (as
+// TestDescribeDirect_ServerScopeGate_UserType uses) never reaches the
+// callability check at all — it is not a regression test for
+// directEntryCallable's own isScopeRestrictedCaller fix. This one scopes the
+// OAuth user INTO "github" so the pending tool must be refused by
+// callability specifically, with an approved sibling on the same server as
+// the positive control (codex gpt-5.6-sol cross-review, round 1: the
+// describe-side gate had no non-vacuous AuthTypeUser coverage).
+func TestDescribeDirect_CallabilityGate_UserType(t *testing.T) {
+	p := newDirectDescribeProxy(t)
+	require.NoError(t, p.storage.SaveToolApproval(&storage.ToolApprovalRecord{
+		ServerName: "github",
+		ToolName:   "read_file",
+		Status:     storage.ToolApprovalStatusPending,
+	}))
+
+	scopedUser := auth.WithAuthContext(context.Background(), &auth.AuthContext{
+		Type:           auth.AuthTypeUser,
+		UserID:         "u1",
+		AllowedServers: []string{"github"},
+		Permissions:    []string{auth.PermRead, auth.PermWrite, auth.PermDestructive},
+	})
+
+	resp := callDescribeDirect(t, p, scopedUser, []interface{}{"github__read_file", "github__create_issue"})
+	byID := describeErrorsByID(resp)
+	require.Contains(t, byID, "github__read_file",
+		"a pending tool must be refused by callability for a scoped OAuth user, exactly like an agent token")
+	assert.Equal(t, describeErrNotFound, byID["github__read_file"]["error"])
+
+	defsByName := map[string]bool{}
+	for _, def := range resp.Definitions {
+		defsByName[def["name"].(string)] = true
+	}
+	assert.True(t, defsByName["github__create_issue"],
+		"positive control: an approved sibling on the same in-scope server must still describe")
+}
+
 // T044: catalog divergence. A tool that is pending approval is still LISTED for
 // a non-agent session, so it must still describe — from the catalog snapshot.
 // An index-backed resolver answers not_found here, which would make deferral
diff --git a/internal/server/mcp_direct_callability.go b/internal/server/mcp_direct_callability.go
index 888802b60..42e042f1c 100644
--- a/internal/server/mcp_direct_callability.go
+++ b/internal/server/mcp_direct_callability.go
@@ -42,17 +42,22 @@ func newDirectCallabilityEvaluator(proxy *MCPProxyServer) *directCallabilityEval
 	}
 }
 
-// filterDirectToolsForAgentCallability hides direct-mode tools that an agent
-// token cannot actually invoke because they are disabled, quarantined, pending
-// approval, or changed since approval. Non-agent contexts keep the existing
-// operator-visible discovery behavior.
+// filterDirectToolsForAgentCallability hides direct-mode tools that a
+// scope-restricted caller (an agent token or an OAuth-authenticated user —
+// see isScopeRestrictedCaller) cannot actually invoke because they are
+// disabled, quarantined, pending approval, or changed since approval.
+// Administrator contexts keep the existing operator-visible discovery
+// behavior: server-edition-multiuser-auth.md documents the admin role as the
+// one that "sees all activity, manages users" and reviews pending/quarantined
+// tools, which a plain "user" account is not (it is caller-bounded exactly
+// like an agent token — see cache_authz.go's CallerKindUser case).
 func (p *MCPProxyServer) filterDirectToolsForAgentCallability(ctx context.Context, tools []mcp.Tool) []mcp.Tool {
 	if len(tools) == 0 {
 		return tools
 	}
 
 	authCtx := auth.AuthContextFromContext(ctx)
-	if authCtx == nil || authCtx.Type != auth.AuthTypeAgent {
+	if !isScopeRestrictedCaller(authCtx) {
 		return tools
 	}
 
@@ -124,19 +129,22 @@ func (p *MCPProxyServer) filterDirectToolsForAgentCallability(ctx context.Contex
 	return filtered
 }
 
-// directEntryCallable is the agent-callability half of the direct listing gate,
+// directEntryCallable is the callability half of the direct listing gate,
 // for callers that already hold a resolved catalog entry (Spec 102 US2).
 //
-// Non-agent sessions are unfiltered here, exactly as the loop above leaves them:
-// the direct listing deliberately RETAINS tool-level pending/changed/disabled
-// states for an operator, and describe_tool must therefore keep describing them
-// — a listed tool is never undescribable (SC-007). Only agent tokens, which
-// cannot see those tools in their own listing, are gated.
+// Administrator sessions are unfiltered here, exactly as the loop above
+// leaves them: the direct listing deliberately RETAINS tool-level
+// pending/changed/disabled states for an operator, and describe_tool must
+// therefore keep describing them — a listed tool is never undescribable
+// (SC-007). Only scope-restricted callers (agent tokens and OAuth
+// users — see isScopeRestrictedCaller), which cannot see those tools in
+// their own listing, are gated. This MUST stay in parity with
+// filterDirectToolsForAgentCallability above — the same SC-007 invariant.
 func (p *MCPProxyServer) directEntryCallable(authCtx *auth.AuthContext, entry *directCatalogEntry) bool {
 	if entry == nil {
 		return false
 	}
-	if authCtx == nil || authCtx.Type != auth.AuthTypeAgent {
+	if !isScopeRestrictedCaller(authCtx) {
 		return true
 	}
 	return newDirectCallabilityEvaluator(p).evaluate(entry.ServerName, entry.ToolName).callable
diff --git a/internal/server/mcp_direct_callability_test.go b/internal/server/mcp_direct_callability_test.go
index 993d79d3c..572184d6f 100644
--- a/internal/server/mcp_direct_callability_test.go
+++ b/internal/server/mcp_direct_callability_test.go
@@ -224,6 +224,53 @@ func TestFilterDirectToolsForAgentCallability_AgentOnly(t *testing.T) {
 	assert.Equal(t, tools, proxy.filterDirectToolsForAgentCallability(context.Background(), tools))
 }
 
+// TestFilterDirectToolsForAgentCallability_UserTypeIsScopeRestrictedToo is the
+// Spec 105 PR G regression for this gate: it used to key on
+// `authCtx.Type == auth.AuthTypeAgent`, which let a server-edition OAuth
+// "user" context fall through to the operator-visible branch (unfiltered,
+// same as admin) and see pending/disabled tools it cannot actually call. A
+// "user" is not an administrator — server-edition-multiuser-auth.md reserves
+// "sees all activity, manages users" for the admin role — so it must be
+// gated exactly like an agent token here too (isScopeRestrictedCaller).
+func TestFilterDirectToolsForAgentCallability_UserTypeIsScopeRestrictedToo(t *testing.T) {
+	proxy := createTestMCPProxyServer(t)
+	require.NoError(t, proxy.storage.SaveUpstreamServer(&config.ServerConfig{Name: "github", Enabled: true}))
+	require.NoError(t, proxy.storage.SaveToolApproval(&storage.ToolApprovalRecord{
+		ServerName: "github",
+		ToolName:   "allowed",
+		Status:     storage.ToolApprovalStatusApproved,
+	}))
+	require.NoError(t, proxy.storage.SaveToolApproval(&storage.ToolApprovalRecord{
+		ServerName: "github",
+		ToolName:   "pending",
+		Status:     storage.ToolApprovalStatusPending,
+	}))
+
+	tools := []mcp.Tool{
+		{Name: FormatDirectToolName("github", "allowed")},
+		{Name: FormatDirectToolName("github", "pending")},
+	}
+	publishPermsCatalog(proxy, map[string]string{
+		FormatDirectToolName("github", "allowed"): auth.PermRead,
+		FormatDirectToolName("github", "pending"): auth.PermRead,
+	})
+
+	userCtx := auth.WithAuthContext(context.Background(), &auth.AuthContext{
+		Type:           auth.AuthTypeUser,
+		UserID:         "u1",
+		AllowedServers: []string{"github"},
+	})
+
+	filtered := proxy.filterDirectToolsForAgentCallability(userCtx, tools)
+	assert.Equal(t, []string{FormatDirectToolName("github", "allowed")}, directCallabilityToolNamesForTest(filtered),
+		"a scoped OAuth user must not see a tool pending approval, same as an equivalently-scoped agent token")
+
+	// Positive control: an OAuth admin_user keeps the operator-visible view.
+	adminUserCtx := auth.WithAuthContext(context.Background(), auth.AdminUserContext("a1", "admin@example.com", "Admin", "google"))
+	assert.Equal(t, tools, proxy.filterDirectToolsForAgentCallability(adminUserCtx, tools),
+		"an OAuth admin user keeps the operator-visible discovery behavior, like api-key admin")
+}
+
 func directCallabilityToolNamesForTest(tools []mcp.Tool) []string {
 	names := make([]string, 0, len(tools))
 	for _, tool := range tools {
diff --git a/internal/server/mcp_direct_scope.go b/internal/server/mcp_direct_scope.go
index 952c0baf2..c4a63265f 100644
--- a/internal/server/mcp_direct_scope.go
+++ b/internal/server/mcp_direct_scope.go
@@ -496,13 +496,14 @@ var builtinPromptNames = map[string]struct{}{
 	troubleshootServerPrompt().Name: {},
 }
 
-// filterAggregatedPromptsForAuth filters prompts/list AND prompts/get for scoped
-// agent tokens and for any request with an active profile. It is the prompt
-// analogue of filterDirectModeToolsForAuth and the list-side half of the
-// aggregated-prompt gate (the handler-side half is
-// authorizeAggregatedPromptServer): without it a scoped agent token could
-// discover any upstream server's prompt even when the tool filters hid that
-// server (PR #973 review, finding F1). mcp-go enforces this on both list and
+// filterAggregatedPromptsForAuth filters prompts/list AND prompts/get for
+// scope-restricted callers (agent tokens and OAuth-authenticated users — see
+// isScopeRestrictedCaller) and for any request with an active profile. It is
+// the prompt analogue of filterDirectModeToolsForAuth and the list-side half
+// of the aggregated-prompt gate (the handler-side half is
+// authorizeAggregatedPromptServer): without it a scope-restricted caller
+// could discover any upstream server's prompt even when the tool filters hid
+// that server (PR #973 review, finding F1). mcp-go enforces this on both list and
 // get (server.go filteredPrompts / passesPromptFilters, v1.0.0), so a prompt
 // dropped here is neither discoverable nor retrievable.
 //
@@ -531,8 +532,8 @@ func (p *MCPProxyServer) filterAggregatedPromptsForAuth(ctx context.Context, pro
 
 	authCtx := auth.AuthContextFromContext(ctx)
 	_, profileScope := p.resolveActiveProfile(ctx)
-	isScopedAgent := authCtx != nil && authCtx.Type == auth.AuthTypeAgent
-	enforce := isScopedAgent || profileScope != nil
+	isScopeRestricted := isScopeRestrictedCaller(authCtx)
+	enforce := isScopeRestricted || profileScope != nil
 	allowed := promptServerAllowed(authCtx, profileScope)
 
 	filtered := make([]mcp.Prompt, 0, len(prompts))
@@ -566,18 +567,18 @@ func (p *MCPProxyServer) filterAggregatedPromptsForAuth(ctx context.Context, pro
 }
 
 // promptServerAllowed returns the per-server access predicate for one caller:
-// profile scope (Allows) plus, for scoped agent tokens, server scope
+// profile scope (Allows) plus, for scope-restricted callers, server scope
 // (CanAccessServer). profileScope.Allows tolerates a nil receiver (returns
-// true), so the scoped-agent-without-profile case falls through correctly.
+// true), so the scope-restricted-without-profile case falls through correctly.
 // It is the ONE definition of "may this caller touch prompts on server X",
 // shared by the list/get filter and by every aggregated prompt handler.
 func promptServerAllowed(authCtx *auth.AuthContext, profileScope *profile.ProfileScope) func(serverName string) bool {
-	isScopedAgent := authCtx != nil && authCtx.Type == auth.AuthTypeAgent
+	isScopeRestricted := isScopeRestrictedCaller(authCtx)
 	return func(serverName string) bool {
 		if !profileScope.Allows(serverName) {
 			return false
 		}
-		return !isScopedAgent || authCtx.CanAccessServer(serverName)
+		return !isScopeRestricted || authCtx.CanAccessServer(serverName)
 	}
 }
 
diff --git a/internal/server/mcp_prompt_scope_test.go b/internal/server/mcp_prompt_scope_test.go
index 1f72e0893..61a7f8e47 100644
--- a/internal/server/mcp_prompt_scope_test.go
+++ b/internal/server/mcp_prompt_scope_test.go
@@ -68,6 +68,13 @@ func TestFilterAggregatedPromptsForAuth(t *testing.T) {
 			profile.NewProfileScope("dev", servers),
 		)
 	}
+	userCtx := func(servers ...string) context.Context {
+		return auth.WithAuthContext(context.Background(), &auth.AuthContext{
+			Type:           auth.AuthTypeUser,
+			UserID:         "u1",
+			AllowedServers: servers,
+		})
+	}
 
 	tests := []struct {
 		name string
@@ -94,6 +101,20 @@ func TestFilterAggregatedPromptsForAuth(t *testing.T) {
 			ctx:  agentCtx("*"),
 			want: []string{builtinSetup, builtinTrbl, githubPrompt, gitlabPrompt},
 		},
+		{
+			// Regression: Spec 105 PR G. isScopeRestrictedCaller must key off
+			// IsAdmin(), not Type == AuthTypeAgent — a server-edition OAuth
+			// "user" is scope-restricted too (cache_authz.go's CallerKindUser),
+			// and a Type-only check let it see every server's prompts.
+			name: "scoped OAuth user sees only its server's prompts plus built-ins",
+			ctx:  userCtx("github"),
+			want: []string{builtinSetup, builtinTrbl, githubPrompt},
+		},
+		{
+			name: "OAuth admin user sees everything",
+			ctx:  auth.WithAuthContext(context.Background(), auth.AdminUserContext("a1", "admin@example.com", "Admin", "google")),
+			want: []string{builtinSetup, builtinTrbl, githubPrompt, gitlabPrompt},
+		},
 		{
 			name: "profile-scoped session sees only in-profile prompts plus built-ins",
 			ctx:  profileCtx("gitlab"),