diff --git a/src/server/__tests__/h5-access-policy.test.ts b/src/server/__tests__/h5-access-policy.test.ts
new file mode 100644
index 00000000..a8c88e83
--- /dev/null
+++ b/src/server/__tests__/h5-access-policy.test.ts
@@ -0,0 +1,54 @@
+import { describe, expect, test } from 'bun:test'
+import {
+  classifyH5Request,
+  isLoopbackHost,
+  shouldRequireH5Token,
+} from '../h5AccessPolicy.js'
+
+function req(url: string, init: RequestInit = {}) {
+  return new Request(url, init)
+}
+
+describe('h5AccessPolicy', () => {
+  test('recognizes loopback hosts as local trusted requests', () => {
+    expect(isLoopbackHost('localhost')).toBe(true)
+    expect(isLoopbackHost('127.0.0.1')).toBe(true)
+    expect(isLoopbackHost('[::1]')).toBe(true)
+    expect(isLoopbackHost('192.168.0.20')).toBe(false)
+  })
+
+  test('keeps Tauri WebView requests to loopback tokenless', () => {
+    const request = req('http://127.0.0.1:3456/api/status', {
+      headers: { Origin: 'http://tauri.localhost' },
+    })
+    expect(classifyH5Request(request, new URL(request.url))).toBe('local-trusted')
+    expect(shouldRequireH5Token({ request, url: new URL(request.url), h5Enabled: true, explicitAuthRequired: false })).toBe(false)
+  })
+
+  test('keeps internal SDK websocket routes tokenless', () => {
+    const request = req('http://192.168.0.20:3456/sdk/session-1')
+    expect(classifyH5Request(request, new URL(request.url))).toBe('internal-sdk')
+    expect(shouldRequireH5Token({ request, url: new URL(request.url), h5Enabled: true, explicitAuthRequired: false })).toBe(false)
+  })
+
+  test('keeps adapter API routes tokenless for local integrations', () => {
+    const request = req('http://127.0.0.1:3456/api/adapters')
+    expect(classifyH5Request(request, new URL(request.url))).toBe('local-trusted')
+    expect(shouldRequireH5Token({ request, url: new URL(request.url), h5Enabled: true, explicitAuthRequired: false })).toBe(false)
+  })
+
+  test('requires H5 token for LAN browser API, proxy, and chat websocket routes when enabled', () => {
+    for (const pathname of ['/api/status', '/proxy/openai/v1/chat/completions', '/ws/session-1']) {
+      const request = req(`http://192.168.0.20:3456${pathname}`, {
+        headers: { Origin: 'http://192.168.0.20:3456' },
+      })
+      expect(classifyH5Request(request, new URL(request.url))).toBe('h5-browser')
+      expect(shouldRequireH5Token({ request, url: new URL(request.url), h5Enabled: true, explicitAuthRequired: false })).toBe(true)
+    }
+  })
+
+  test('explicit deployment auth still requires auth even when H5 is disabled', () => {
+    const request = req('http://127.0.0.1:3456/api/status')
+    expect(shouldRequireH5Token({ request, url: new URL(request.url), h5Enabled: false, explicitAuthRequired: true })).toBe(true)
+  })
+})
diff --git a/src/server/h5AccessPolicy.ts b/src/server/h5AccessPolicy.ts
new file mode 100644
index 00000000..4c077030
--- /dev/null
+++ b/src/server/h5AccessPolicy.ts
@@ -0,0 +1,61 @@
+export type H5RequestKind = 'local-trusted' | 'internal-sdk' | 'h5-browser'
+
+const LOCAL_HOSTS = new Set(['localhost', '127.0.0.1', '::1'])
+const LOCAL_ORIGINS = new Set([
+  'http://tauri.localhost',
+  'https://tauri.localhost',
+  'tauri://localhost',
+])
+
+export function normalizeHostname(hostname: string): string {
+  return hostname.trim().replace(/^\[/, '').replace(/\]$/, '').toLowerCase()
+}
+
+export function isLoopbackHost(hostname: string): boolean {
+  return LOCAL_HOSTS.has(normalizeHostname(hostname))
+}
+
+function isLocalOrigin(origin: string | null): boolean {
+  if (!origin) return true
+  if (LOCAL_ORIGINS.has(origin)) return true
+
+  try {
+    return isLoopbackHost(new URL(origin).hostname)
+  } catch {
+    return false
+  }
+}
+
+export function classifyH5Request(request: Request, url: URL): H5RequestKind {
+  if (url.pathname.startsWith('/sdk/')) {
+    return 'internal-sdk'
+  }
+
+  if (isLoopbackHost(url.hostname) && isLocalOrigin(request.headers.get('Origin'))) {
+    return 'local-trusted'
+  }
+
+  return 'h5-browser'
+}
+
+export function shouldRequireH5Token({
+  request,
+  url,
+  h5Enabled,
+  explicitAuthRequired,
+}: {
+  request: Request
+  url: URL
+  h5Enabled: boolean
+  explicitAuthRequired: boolean
+}): boolean {
+  if (explicitAuthRequired) {
+    return true
+  }
+
+  if (!h5Enabled) {
+    return false
+  }
+
+  return classifyH5Request(request, url) === 'h5-browser'
+}