diff --git a/packages/kilo-gateway/src/server/fim.ts b/packages/kilo-gateway/src/server/fim.ts
index 5e61f954330..58a89eb05a5 100644
--- a/packages/kilo-gateway/src/server/fim.ts
+++ b/packages/kilo-gateway/src/server/fim.ts
@@ -6,6 +6,11 @@ type Auth = any
 
 type FimProvider = "kilo" | "mistral" | "inception"
 
+const DIRECT_FIM_ENV: Record<Exclude<FimProvider, "kilo">, string[]> = {
+  mistral: ["MISTRAL_API_KEY"],
+  inception: ["INCEPTION_API_KEY"],
+}
+
 interface FimTarget {
   provider: FimProvider
   model: string
@@ -41,7 +46,9 @@ async function getProxyAuth(Auth: Auth) {
 
 async function getProviderKey(Auth: Auth, provider: FimProvider) {
   const auth = await Auth.get(provider)
-  return auth?.type === "api" ? auth.key : undefined
+  if (auth?.type === "api") return auth.key
+  if (provider === "kilo") return undefined
+  return DIRECT_FIM_ENV[provider].map((key) => process.env[key]).find(Boolean)
 }
 
 async function fetchFim(
diff --git a/packages/opencode/src/kilocode/server/httpapi/handlers/kilo-gateway.ts b/packages/opencode/src/kilocode/server/httpapi/handlers/kilo-gateway.ts
index 116179b54e8..ced90a89b58 100644
--- a/packages/opencode/src/kilocode/server/httpapi/handlers/kilo-gateway.ts
+++ b/packages/opencode/src/kilocode/server/httpapi/handlers/kilo-gateway.ts
@@ -46,6 +46,11 @@ const INCEPTION_FIM_URL = "https://api.inceptionlabs.ai/v1/fim/completions"
 
 type FimProvider = "kilo" | "mistral" | "inception"
 
+const DIRECT_FIM_ENV: Record<Exclude<FimProvider, "kilo">, string[]> = {
+  mistral: ["MISTRAL_API_KEY"],
+  inception: ["INCEPTION_API_KEY"],
+}
+
 function resolveFimTarget(provider?: string, model?: string) {
   const info = getAutocompleteModel(provider, model)
   if (info.directProvider === "mistral") {
@@ -100,7 +105,8 @@ export const kiloGatewayHandlers = HttpApiBuilder.group(InstanceHttpApi, "kilo",
       const token = yield* Effect.gen(function* () {
         if (target.provider === "kilo") return info?.token
         const item = yield* auth.get(target.provider).pipe(Effect.mapError(() => new HttpApiError.Unauthorized({})))
-        return item?.type === "api" ? item.key : undefined
+        if (item?.type === "api") return item.key
+        return DIRECT_FIM_ENV[target.provider].map((key) => process.env[key]).find(Boolean)
       })
 
       if (target.provider === "kilo" && !info?.auth) return yield* Effect.fail(new HttpApiError.Unauthorized({}))