fix: resolve normalized account IDs before token-override checks

When normalizeAccountId transforms config keys (e.g. 'Router D' →
'router-d'), listAccountIds returns normalized IDs but the
everyAccountHasOwnTokens check used accounts[normalizedId], which
misses the raw config key. Added a reverse map from normalized ID
to raw key for the lookup.

Regression test: non-canonical key normalizes correctly and default
is still injected when the account has its own tokens.

src/channels/plugins/account-helpers.test.ts

@@ -95,6 +95,24 @@ describe("createAccountListHelpers", () => {
       expect(listAccountIds(config)).toEqual(["default", "tank"]);
     });
 
+    it("includes default when normalized IDs differ from raw config keys", () => {
+      const normalizedHelpers = createAccountListHelpers("testchannel", {
+        normalizeAccountId: (id: string) => id.toLowerCase().replace(/\s+/g, "-"),
+      });
+      const config = {
+        channels: {
+          testchannel: {
+            botToken: "xoxb-base",
+            accounts: {
+              "Router D": { botToken: "xoxb-router-d" },
+            },
+          },
+        },
+      } as unknown as OpenClawConfig;
+      // "Router D" normalizes to "router-d" — should still detect own token
+      expect(normalizedHelpers.listAccountIds(config)).toEqual(["default", "router-d"]);
+    });
+
     it("does NOT inject default in mixed configs (some accounts inherit base tokens)", () => {
       const config = {
         channels: {

src/channels/plugins/account-helpers.ts

@@ -63,8 +63,19 @@ export function createAccountListHelpers(
     );
     if (baseTokenFields.length > 0) {
       const accounts = (base?.accounts ?? {}) as Record<string, Record<string, unknown>>;
+      // Build reverse map from normalized ID → raw config key so we can look
+      // up the account object even when normalizeAccountId transforms the keys.
+      const rawKeys = Object.keys(accounts);
+      const normalizedToRaw = new Map<string, string>();
+      for (const key of rawKeys) {
+        const normalized = normalizeAccountId(key);
+        if (normalized && !normalizedToRaw.has(normalized)) {
+          normalizedToRaw.set(normalized, key);
+        }
+      }
       const everyAccountHasOwnTokens = ids.every((id) => {
-        const acct = accounts[id];
+        const rawKey = normalizedToRaw.get(id) ?? id;
+        const acct = accounts[rawKey];
         if (!acct) {
           return false;
         }