diff --git a/packages/agent/src/adapters/claude/session/mcp-config.test.ts b/packages/agent/src/adapters/claude/session/mcp-config.test.ts
new file mode 100644
index 000000000..0ea631ad4
--- /dev/null
+++ b/packages/agent/src/adapters/claude/session/mcp-config.test.ts
@@ -0,0 +1,112 @@
+import * as fs from "node:fs";
+import * as os from "node:os";
+import * as path from "node:path";
+import { afterEach, beforeEach, describe, expect, it } from "vitest";
+import { loadUserClaudeJsonMcpServers } from "./mcp-config";
+
+describe("loadUserClaudeJsonMcpServers", () => {
+  let tmpHome: string;
+
+  beforeEach(() => {
+    tmpHome = fs.mkdtempSync(path.join(os.tmpdir(), "claude-json-test-"));
+  });
+
+  afterEach(() => {
+    fs.rmSync(tmpHome, { recursive: true, force: true });
+  });
+
+  it.each([
+    { name: "~/.claude.json is missing", setup: () => undefined },
+    {
+      name: "~/.claude.json contains invalid JSON",
+      setup: (home: string) =>
+        fs.writeFileSync(path.join(home, ".claude.json"), "not json"),
+    },
+  ])("returns empty when $name", ({ setup }) => {
+    setup(tmpHome);
+    expect(
+      loadUserClaudeJsonMcpServers("/some/cwd", undefined, tmpHome),
+    ).toEqual({});
+  });
+
+  it("returns top-level mcpServers", () => {
+    const cfg = {
+      mcpServers: {
+        top: { type: "stdio", command: "npx", args: ["pkg"] },
+      },
+    };
+    fs.writeFileSync(path.join(tmpHome, ".claude.json"), JSON.stringify(cfg));
+    const servers = loadUserClaudeJsonMcpServers(
+      "/some/cwd",
+      undefined,
+      tmpHome,
+    );
+    expect(servers.top).toBeDefined();
+  });
+
+  it("returns project-scoped mcpServers when cwd matches a project entry", () => {
+    const cwd = "/Users/jane/proj";
+    const cfg = {
+      projects: {
+        [cwd]: {
+          mcpServers: {
+            playwright: {
+              type: "stdio",
+              command: "npx",
+              args: ["@playwright/mcp@latest"],
+            },
+          },
+        },
+      },
+    };
+    fs.writeFileSync(path.join(tmpHome, ".claude.json"), JSON.stringify(cfg));
+    const servers = loadUserClaudeJsonMcpServers(cwd, undefined, tmpHome);
+    expect(servers.playwright).toBeDefined();
+  });
+
+  it("project-scoped servers override top-level on key collision", () => {
+    const cwd = "/Users/jane/proj";
+    const cfg = {
+      mcpServers: {
+        shared: { type: "stdio", command: "global", args: [] },
+      },
+      projects: {
+        [cwd]: {
+          mcpServers: {
+            shared: { type: "stdio", command: "scoped", args: [] },
+          },
+        },
+      },
+    };
+    fs.writeFileSync(path.join(tmpHome, ".claude.json"), JSON.stringify(cfg));
+    const servers = loadUserClaudeJsonMcpServers(cwd, undefined, tmpHome);
+    expect((servers.shared as { command: string }).command).toBe("scoped");
+  });
+
+  it("ignores CLAUDE_CONFIG_DIR redirect (reads real ~/.claude.json)", () => {
+    const altDir = fs.mkdtempSync(path.join(os.tmpdir(), "alt-claude-"));
+    fs.writeFileSync(
+      path.join(altDir, ".claude.json"),
+      JSON.stringify({
+        mcpServers: { wrong: { type: "stdio", command: "x" } },
+      }),
+    );
+    fs.writeFileSync(
+      path.join(tmpHome, ".claude.json"),
+      JSON.stringify({
+        mcpServers: { right: { type: "stdio", command: "y" } },
+      }),
+    );
+    const original = process.env.CLAUDE_CONFIG_DIR;
+    process.env.CLAUDE_CONFIG_DIR = altDir;
+    try {
+      const servers = loadUserClaudeJsonMcpServers("/cwd", undefined, tmpHome);
+      expect(servers.right).toBeDefined();
+      expect(servers.wrong).toBeUndefined();
+    } finally {
+      if (original === undefined) delete process.env.CLAUDE_CONFIG_DIR;
+      else process.env.CLAUDE_CONFIG_DIR = original;
+      fs.rmSync(altDir, { recursive: true, force: true });
+    }
+  });
+});
diff --git a/packages/agent/src/adapters/claude/session/mcp-config.ts b/packages/agent/src/adapters/claude/session/mcp-config.ts
index dd28d2bcf..1c169f9b0 100644
--- a/packages/agent/src/adapters/claude/session/mcp-config.ts
+++ b/packages/agent/src/adapters/claude/session/mcp-config.ts
@@ -1,5 +1,50 @@
+import * as fs from "node:fs";
+import * as os from "node:os";
+import * as path from "node:path";
 import type { NewSessionRequest } from "@agentclientprotocol/sdk";
 import type { McpServerConfig } from "@anthropic-ai/claude-agent-sdk";
+import type { Logger } from "../../../utils/logger";
+
+export function loadUserClaudeJsonMcpServers(
+  cwd: string,
+  logger?: Logger,
+  homeDir: string = os.homedir(),
+): Record<string, McpServerConfig> {
+  const claudeJsonPath = path.join(homeDir, ".claude.json");
+
+  let raw: string;
+  try {
+    raw = fs.readFileSync(claudeJsonPath, "utf8");
+  } catch {
+    return {};
+  }
+
+  let cfg: {
+    mcpServers?: unknown;
+    projects?: Record<string, { mcpServers?: unknown }>;
+  };
+  try {
+    cfg = JSON.parse(raw);
+  } catch (err) {
+    logger?.warn("Failed to parse ~/.claude.json", {
+      error: err instanceof Error ? err.message : String(err),
+    });
+    return {};
+  }
+
+  const topLevel =
+    cfg.mcpServers && typeof cfg.mcpServers === "object"
+      ? (cfg.mcpServers as Record<string, McpServerConfig>)
+      : {};
+
+  const project = cfg.projects?.[cwd];
+  const projectScoped =
+    project?.mcpServers && typeof project.mcpServers === "object"
+      ? (project.mcpServers as Record<string, McpServerConfig>)
+      : {};
+
+  return { ...topLevel, ...projectScoped };
+}
 
 export function parseMcpServers(
   params: Pick<NewSessionRequest, "mcpServers">,
diff --git a/packages/agent/src/adapters/claude/session/options.ts b/packages/agent/src/adapters/claude/session/options.ts
index c8686edf2..fd7a0365f 100644
--- a/packages/agent/src/adapters/claude/session/options.ts
+++ b/packages/agent/src/adapters/claude/session/options.ts
@@ -24,6 +24,7 @@ import {
 import type { CodeExecutionMode } from "../tools";
 import type { EffortLevel } from "../types";
 import { APPENDED_INSTRUCTIONS } from "./instructions";
+import { loadUserClaudeJsonMcpServers } from "./mcp-config";
 import { DEFAULT_MODEL } from "./models";
 import type { SettingsManager } from "./settings";
 
@@ -91,8 +92,10 @@ export function buildSystemPrompt(
 function buildMcpServers(
   userServers: Record<string, McpServerConfig> | undefined,
   acpServers: Record<string, McpServerConfig>,
+  projectScopedServers: Record<string, McpServerConfig>,
 ): Record<string, McpServerConfig> {
   return {
+    ...projectScopedServers,
     ...(userServers || {}),
     ...acpServers,
   };
@@ -330,6 +333,7 @@ export function buildSessionOptions(params: BuildOptionsParams): Options {
     mcpServers: buildMcpServers(
       params.userProvidedOptions?.mcpServers,
       params.mcpServers,
+      loadUserClaudeJsonMcpServers(params.cwd, params.logger),
     ),
     env: buildEnvironment(),
     hooks: buildHooks(