diff --git a/packages/services/service-ai/src/__tests__/agent-list-access.test.ts b/packages/services/service-ai/src/__tests__/agent-list-access.test.ts
new file mode 100644
index 0000000000..264c47891d
--- /dev/null
+++ b/packages/services/service-ai/src/__tests__/agent-list-access.test.ts
@@ -0,0 +1,93 @@
+// Copyright (c) 2026 ObjectStack. Licensed under the Apache-2.0 license.
+//
+// listAgents() access-aware catalog (ADR-0049 / ADR-0068).
+//
+// The runtime catalog (GET /api/v1/ai/agents) is what the console keys off to
+// decide whether to SHOW the in-UI AI surfaces ("Build with AI" / "Ask AI").
+// When a caller context is supplied, listAgents() hides agents the caller
+// cannot chat (per-agent `permissions`/`access` — e.g. the per-user AI-seat
+// gate), so a seat-less user never sees a button that would 403 on click. No
+// caller (internal default-agent resolution) -> unfiltered (unchanged).
+
+import { describe, it, expect } from 'vitest';
+import type { Agent } from '@objectstack/spec/ai';
+import type { IMetadataService } from '@objectstack/spec/contracts';
+import { AgentRuntime } from '../agent-runtime.js';
+import { SkillRegistry } from '../skill-registry.js';
+import { registerAgentAlias } from '../agents/agent-aliases.js';
+
+// Make `build`/`ask` recognised platform agents (mirrors the cloud plugin init).
+registerAgentAlias('metadata_assistant', 'build');
+
+/** A platform agent gated behind the `ai_seat` permission. */
+const gated = (name: string, surface: 'build' | 'ask'): Agent =>
+  ({
+    name,
+    label: name,
+    role: 'r',
+    surface,
+    instructions: 'x',
+    model: { provider: 'openai', model: 'gpt-4', temperature: 0.2, maxTokens: 4096 },
+    skills: [],
+    active: true,
+    visibility: 'global',
+    permissions: ['ai_seat'], // the per-user gate
+    _provenance: 'package', // intrinsic platform-agent signal (isPlatformAgentRecord)
+  }) as any;
+
+function runtimeListing(agents: Agent[]): AgentRuntime {
+  const md = {
+    list: async () => agents,
+    get: async () => undefined,
+    exists: async () => false,
+    register: async () => {},
+    unregister: async () => {},
+  } as unknown as IMetadataService;
+  return new AgentRuntime(md, new SkillRegistry(md));
+}
+
+describe('listAgents() — access-aware catalog (ADR-0068)', () => {
+  const agents = [gated('build', 'build'), gated('ask', 'ask')];
+
+  it('no caller -> unfiltered (internal/default-agent resolution unchanged)', async () => {
+    const out = await runtimeListing(agents).listAgents();
+    expect(out.map((a) => a.name).sort()).toEqual(['ask', 'build']);
+  });
+
+  it('seat-less caller -> gated agents hidden (console renders no AI surface)', async () => {
+    const out = await runtimeListing(agents).listAgents({
+      userId: 'u',
+      permissions: [],
+      roles: [],
+    } as any);
+    expect(out).toEqual([]);
+  });
+
+  it('seated caller (holds the ai_seat permission-set) -> gated agents visible', async () => {
+    const out = await runtimeListing(agents).listAgents({
+      userId: 'u',
+      permissions: ['ai_seat'],
+      roles: [],
+    } as any);
+    expect(out.map((a) => a.name).sort()).toEqual(['ask', 'build']);
+  });
+
+  it('seat granted via a ROLE also unlocks (roles union permissions)', async () => {
+    const out = await runtimeListing(agents).listAgents({
+      userId: 'u',
+      permissions: [],
+      roles: ['ai_seat'],
+    } as any);
+    expect(out.map((a) => a.name).sort()).toEqual(['ask', 'build']);
+  });
+
+  it('ungated agents (no permissions, e.g. kill-switch off) stay visible to everyone', async () => {
+    const ungated = [{ ...gated('build', 'build'), permissions: undefined }] as any;
+    const out = await runtimeListing(ungated).listAgents({
+      userId: 'u',
+      permissions: [],
+      roles: [],
+    } as any);
+    expect(out.map((a: { name: string }) => a.name)).toEqual(['build']);
+  });
+});
diff --git a/packages/services/service-ai/src/agent-runtime.ts b/packages/services/service-ai/src/agent-runtime.ts
index d67a7dcf80..81ad9f3813 100644
--- a/packages/services/service-ai/src/agent-runtime.ts
+++ b/packages/services/service-ai/src/agent-runtime.ts
@@ -12,6 +12,8 @@ import { SkillRegistry, type SkillContext } from './skill-registry.js';
 import { SchemaRetriever, type ObjectShape } from './schema-retriever.js';
 import { ASK_AGENT_NAME } from './agents/index.js';
 import { resolveAgentAlias, platformAgentNames } from './agents/agent-aliases.js';
+import { evaluateAgentAccess } from './routes/agent-access.js';
+import type { RouteUserContext } from './routes/ai-routes.js';
 
 /**
  * True when an agent record is platform-owned and therefore belongs in the
@@ -107,7 +109,7 @@ export class AgentRuntime {
    * Returns a summary for each agent (name, label, role) suitable
    * for populating an agent selector dropdown in the UI.
    */
-  async listAgents(): Promise<Array<{ name: string; label: string; role: string }>> {
+  async listAgents(caller?: RouteUserContext): Promise<Array<{ name: string; label: string; role: string }>> {
     const rawItems = await this.metadataService.list('agent');
     const agents: Array<{ name: string; label: string; role: string }> = [];
 
@@ -126,6 +128,11 @@ export class AgentRuntime {
       const result = AgentSchema.safeParse(raw);
       if (!result.success || !result.data.active) continue;
       if (!isPlatformAgentRecord(raw, result.data.name, platform)) continue;
+      // ADR-0049 / ADR-0068 — when a caller context is supplied, hide agents
+      // they cannot access (per-agent `permissions`/`access`, e.g. the per-user
+      // AI-seat gate) so the UI never lists an agent that would 403 on chat.
+      // No caller (internal default-agent resolution) → unfiltered (unchanged).
+      if (caller && !evaluateAgentAccess(result.data, caller).allowed) continue;
       agents.push({
         name: result.data.name,
         label: result.data.label,
diff --git a/packages/services/service-ai/src/routes/agent-routes.ts b/packages/services/service-ai/src/routes/agent-routes.ts
index e96758b7f7..ba43636ef8 100644
--- a/packages/services/service-ai/src/routes/agent-routes.ts
+++ b/packages/services/service-ai/src/routes/agent-routes.ts
@@ -115,9 +115,13 @@ export function buildAgentRoutes(
       description: 'List all active AI agents',
       auth: true,
       permissions: ['ai:chat'],
-      handler: async () => {
+      handler: async (req) => {
         try {
-          const agents = await agentRuntime.listAgents();
+          // Access-aware catalog: the caller only sees agents they may chat
+          // (so the UI hides AI surfaces for seat-less users instead of
+          // letting them click into a 403). req.user carries the resolved
+          // permission-set names + roles (ADR-0049).
+          const agents = await agentRuntime.listAgents(req.user);
           return { status: 200, body: { agents } };
         } catch (err) {
           logger.error(