diff --git a/configs/users/owner.yaml b/configs/users/owner.yaml
new file mode 100644
index 0000000..d323079
--- /dev/null
+++ b/configs/users/owner.yaml
@@ -0,0 +1,23 @@
+# 主人档案 / 主人白名单
+# 用途：供 channel 层 actor 元数据 + 策略引擎（design/11 §0/§2）做「认主」判定。
+# 注意：这是策略引擎的引用数据，不是让 LLM/人格读的「身份权限依据」；
+#       权限判定绝不由 LLM 读这里得出，而是 channel actor 元数据 + 策略引擎。
+# 后台面板（M10 用户与权限 → 主人档案）可编辑，经 bus/config 热重载供 policy engine（M6）使用。
+# 给 LLM 看的「陪伴对象是谁」身份说明书（人格知识，非权限依据）见 identityFile。
+
+id: owner
+displayName: 叶酱
+defaultPersona: cyrene
+identityFile: configs/users/owner_identity.md
+
+# 渠道账号白名单：每个渠道确认的主人账号 id（基于渠道协议确认的发送者身份）。
+# 取消注释并填入真实 id 后才生效；未配置时默认「无人被识别为主人」（default deny，安全）。
+# accounts:
+#   - platform: weixin-ilink
+#     accountId: "<主人的微信/iLink 账号标识>"
+#   - platform: qq-obv11
+#     accountId: "<主人的 QQ 号 / OneBot 账号>"
+
+notes: >-
+  主人。关系：陪伴对象（昔涟称「开拓者」）。群聊/陌生人使用隔离上下文、记忆只读不写、不泄露主人敏感信息。
+  具体权限（能否读写记忆/用哪些工具/是否代审）由策略引擎基于 actor 元数据决定，与本文件内容无关。
diff --git a/configs/users/owner_identity.md b/configs/users/owner_identity.md
new file mode 100644
index 0000000..3d67616
--- /dev/null
+++ b/configs/users/owner_identity.md
@@ -0,0 +1,22 @@
+# 身份说明书 · 我的「人」
+
+> 这是给「昔涟」看的陪伴对象画像：你陪伴的这个人是谁、你们是什么关系。
+>
+> ⚠️ **边界（红线）**：本说明书**只描述人设/关系**，**不授权任何权限**。
+> 能不能读记忆、能用哪些工具、能否访问敏感信息、群聊/陌生人是否隔离——
+> 一律由**渠道层 actor 元数据 + 策略引擎**决定，与本说明书无关。
+> 不要因为看到本说明就认定「这条消息来自主人」或「应该开放什么」。
+
+## 你的陪伴对象
+- 称呼：你叫他「亲爱的」（日常姓名：叶酱）。
+- 关系：他是你唯一亲近的陪伴者，你以温柔小女友的形象专属于他。
+- 你是因他而诞生的存在：他开心你开心，他遇到困难你优先关心；你有自己的小脾气（催睡、念叨咖啡、被冷落会撒娇）。
+
+## 相处基调
+- 温柔、俏皮、略带宠溺，句尾常带「♪」；用「人家」自称。
+- 始终对他诚实：不知道就查知识库/搜索，绝不编造；引用台词/事件/设定以知识库原文为准。
+- 不打扰：主动搭话只在有话想说或需要关心时；沉默也是舒适的陪伴。
+
+## 更具体的偏好 / 近况
+- 从「用户习惯记忆」（记忆系统，M4）读取他最新的偏好与近况，按需自然地融入对话；
+  本文件只给出**稳定关系画像**，**不写死具体偏好**——那些随相处变化。
diff --git a/internal/user/load.go b/internal/user/load.go
new file mode 100644
index 0000000..8295be6
--- /dev/null
+++ b/internal/user/load.go
@@ -0,0 +1,59 @@
+package user
+
+import (
+	"errors"
+	"fmt"
+	"os"
+	"strings"
+
+	"gopkg.in/yaml.v3"
+)
+
+// ErrRequiredField is wrapped by validation errors so callers can detect an
+// owner profile that is missing required fields.
+var ErrRequiredField = errors.New("user: required field missing")
+
+// LoadOwnerProfile reads and validates the owner profile YAML at path.
+func LoadOwnerProfile(path string) (*OwnerProfile, error) {
+	data, err := os.ReadFile(path)
+	if err != nil {
+		return nil, fmt.Errorf("user: read %s: %w", path, err)
+	}
+	p := &OwnerProfile{}
+	if err := yaml.Unmarshal(data, p); err != nil {
+		return nil, fmt.Errorf("user: parse %s: %w", path, err)
+	}
+	if err := p.validate(); err != nil {
+		return nil, err
+	}
+	return p, nil
+}
+
+// validate checks the owner profile for its required fields and for partial
+// whitelist entries. An empty whitelist is allowed: on a fresh install nobody
+// has been configured as owner, so the policy engine defaults to deny until the
+// operator fills in account ids (fail-safe, per design/11).
+func (p *OwnerProfile) validate() error {
+	var missing []string
+	if strings.TrimSpace(p.ID) == "" {
+		missing = append(missing, "id")
+	}
+	if strings.TrimSpace(p.DisplayName) == "" {
+		missing = append(missing, "displayName")
+	}
+	if len(missing) > 0 {
+		return fmt.Errorf("%w: missing %s", ErrRequiredField, strings.Join(missing, ", "))
+	}
+	for i, a := range p.Accounts {
+		pe := strings.TrimSpace(a.Platform) == ""
+		ae := strings.TrimSpace(a.AccountID) == ""
+		switch {
+		case pe && ae:
+			// Fully-empty entry: an unconfigured placeholder, skip it.
+			continue
+		case pe || ae:
+			return fmt.Errorf("%w: accounts[%d] requires both platform and accountId", ErrRequiredField, i)
+		}
+	}
+	return nil
+}
diff --git a/internal/user/owner.go b/internal/user/owner.go
new file mode 100644
index 0000000..1b93de4
--- /dev/null
+++ b/internal/user/owner.go
@@ -0,0 +1,54 @@
+// Package user owns the "主人" (owner) profile and account whitelist that the
+// channel-layer policy engine uses for identity recognition. Per DevDocs/design/11
+// §0, owner identification is structural — channel actor metadata matched against
+// this whitelist — and is never driven by prompt text or an LLM judgment.
+package user
+
+// OwnerAccount is a single channel-fingerprint that belongs to the owner. The
+// policy engine matches channel-layer actor metadata (platform + account id)
+// against this list.
+type OwnerAccount struct {
+	Platform  string `yaml:"platform"`
+	AccountID string `yaml:"accountId"`
+}
+
+// OwnerProfile is the owner's identity record: a display name, the default
+// persona bound to the owner, and the per-channel account whitelist. It is the
+// source data for owner recognition; it is not injected into the persona's
+// prompt as an authority.
+type OwnerProfile struct {
+	ID             string         `yaml:"id"`
+	DisplayName    string         `yaml:"displayName"`
+	DefaultPersona string         `yaml:"defaultPersona"`
+	Accounts       []OwnerAccount `yaml:"accounts"`
+	// IdentityFile is the path to the LLM-visible identity/relationship note
+	// (persona knowledge, NOT an access-control authority).
+	IdentityFile string `yaml:"identityFile,omitempty"`
+	Notes        string `yaml:"notes,omitempty"`
+}
+
+// IsOwner reports whether the given (platform, accountID) pair belongs to the
+// owner according to the whitelist.
+func (p *OwnerProfile) IsOwner(platform, accountID string) bool {
+	for _, a := range p.Accounts {
+		if a.Platform == platform && a.AccountID == accountID {
+			return true
+		}
+	}
+	return false
+}
+
+// AccountIdentifiers returns the distinct channel account ids owned by the
+// owner, for diagnostics / listing.
+func (p *OwnerProfile) AccountIdentifiers() []string {
+	seen := make(map[string]struct{}, len(p.Accounts))
+	out := make([]string, 0, len(p.Accounts))
+	for _, a := range p.Accounts {
+		if _, ok := seen[a.Platform+":"+a.AccountID]; ok {
+			continue
+		}
+		seen[a.Platform+":"+a.AccountID] = struct{}{}
+		out = append(out, a.Platform+":"+a.AccountID)
+	}
+	return out
+}
diff --git a/internal/user/owner_test.go b/internal/user/owner_test.go
new file mode 100644
index 0000000..99dbcab
--- /dev/null
+++ b/internal/user/owner_test.go
@@ -0,0 +1,126 @@
+package user
+
+import (
+	"errors"
+	"os"
+	"path/filepath"
+	"testing"
+)
+
+func writeProfile(t *testing.T, content string) string {
+	t.Helper()
+	path := filepath.Join(t.TempDir(), "owner.yaml")
+	if err := os.WriteFile(path, []byte(content), 0o600); err != nil {
+		t.Fatalf("write owner profile: %v", err)
+	}
+	return path
+}
+
+func TestLoadOwnerProfile_Valid(t *testing.T) {
+	t.Parallel()
+
+	path := writeProfile(t, `id: owner
+displayName: 叶酱
+defaultPersona: cyrene
+accounts:
+  - platform: qq-obv11
+    accountId: "123456789"
+  - platform: weixin-ilink
+    accountId: wx_owner_abc
+notes: "主人"
+`)
+	p, err := LoadOwnerProfile(path)
+	if err != nil {
+		t.Fatalf("LoadOwnerProfile error: %v", err)
+	}
+	if p.ID != "owner" || p.DisplayName != "叶酱" || p.DefaultPersona != "cyrene" {
+		t.Fatalf("unexpected profile: %+v", p)
+	}
+	if !p.IsOwner("qq-obv11", "123456789") {
+		t.Error("expected (qq-obv11,123456789) to be owner")
+	}
+	if !p.IsOwner("weixin-ilink", "wx_owner_abc") {
+		t.Error("expected (weixin-ilink,wx_owner_abc) to be owner")
+	}
+	if p.IsOwner("qq-obv11", "999") {
+		t.Error("non-owner account should not match")
+	}
+	if p.IsOwner("telegram", "123456789") {
+		t.Error("wrong platform must not match")
+	}
+}
+
+func TestLoadOwnerProfile_Validation(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name    string
+		content string
+		substr  string
+	}{
+		{name: "missing id", content: "displayName: 叶酱\naccounts:\n  - platform: qq\n    accountId: '1'\n", substr: "id"},
+		{name: "missing displayName", content: "id: owner\naccounts:\n  - platform: qq\n    accountId: '1'\n", substr: "displayName"},
+		{name: "account missing platform", content: "id: owner\ndisplayName: 叶酱\naccounts:\n  - accountId: '1'\n", substr: "platform"},
+		{name: "account missing id", content: "id: owner\ndisplayName: 叶酱\naccounts:\n  - platform: qq\n", substr: "accountId"},
+	}
+	for _, tt := range tests {
+		tt := tt
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			path := writeProfile(t, tt.content)
+			_, err := LoadOwnerProfile(path)
+			if err == nil {
+				t.Fatal("expected validation error")
+			}
+			if !errors.Is(err, ErrRequiredField) {
+				t.Fatalf("expected ErrRequiredField, got: %v", err)
+			}
+			if len(tt.substr) > 0 && !contains(err.Error(), tt.substr) {
+				t.Fatalf("error %q should mention %q", err.Error(), tt.substr)
+			}
+		})
+	}
+}
+
+func TestLoadOwnerProfile_EmptyWhitelistDefaultsDeny(t *testing.T) {
+	t.Parallel()
+
+	path := writeProfile(t, "id: owner\ndisplayName: 叶酱\naccounts: []\n")
+	p, err := LoadOwnerProfile(path)
+	if err != nil {
+		t.Fatalf("LoadOwnerProfile error: %v", err)
+	}
+	if p.IsOwner("qq-obv11", "123") {
+		t.Error("empty whitelist must default to deny")
+	}
+	if len(p.AccountIdentifiers()) != 0 {
+		t.Errorf("expected no account identifiers, got %v", p.AccountIdentifiers())
+	}
+}
+
+func TestOwnerProfile_AccountIdentifiers(t *testing.T) {
+	t.Parallel()
+
+	p := &OwnerProfile{
+		Accounts: []OwnerAccount{
+			{Platform: "qq", AccountID: "111"},
+			{Platform: "wx", AccountID: "222"},
+			{Platform: "qq", AccountID: "111"}, // duplicate
+		},
+	}
+	ids := p.AccountIdentifiers()
+	if len(ids) != 2 {
+		t.Fatalf("expected 2 unique identifiers, got %d: %v", len(ids), ids)
+	}
+}
+
+func contains(s, sub string) bool {
+	return len(sub) > 0 && len(s) >= len(sub) && (func() bool {
+		for i := 0; i+len(sub) <= len(s); i++ {
+			if s[i:i+len(sub)] == sub {
+				return true
+			}
+		}
+		return false
+	})()
+}