diff --git a/src/OpenClaw.Shared/OpenClawGatewayClient.cs b/src/OpenClaw.Shared/OpenClawGatewayClient.cs
index 77fc496..534c9e8 100644
--- a/src/OpenClaw.Shared/OpenClawGatewayClient.cs
+++ b/src/OpenClaw.Shared/OpenClawGatewayClient.cs
@@ -1885,34 +1885,47 @@ public class OpenClawGatewayClient : WebSocketClientBase
     {
         if (status.Providers.Count == 0) return "";
 
-        var parts = new List<string>();
+        // At most 2 providers are shown; track them with two nullable strings to avoid
+        // allocating a List<string> on every usage-status update.
+        string? p0 = null, p1 = null;
+        int included = 0;
+
         foreach (var provider in status.Providers)
         {
-            if (parts.Count == 2) break;
+            if (included == 2) break;
             var displayName = string.IsNullOrWhiteSpace(provider.DisplayName) ? provider.Provider : provider.DisplayName;
             if (string.IsNullOrWhiteSpace(displayName))
                 displayName = "provider";
 
+            string part;
             if (!string.IsNullOrWhiteSpace(provider.Error))
             {
-                parts.Add($"{displayName}: error");
-                continue;
+                part = $"{displayName}: error";
+            }
+            else
+            {
+                if (provider.Windows.Count == 0) continue;
+                var window = provider.Windows.MaxBy(w => w.UsedPercent);
+                if (window is null) continue;
+                var remaining = Math.Clamp((int)Math.Round(100 - window.UsedPercent), 0, 100);
+                part = $"{displayName}: {remaining}% left";
             }
 
-            if (provider.Windows.Count == 0) continue;
-            var window = provider.Windows.MaxBy(w => w.UsedPercent);
-            if (window is null) continue;
-            var remaining = Math.Clamp((int)Math.Round(100 - window.UsedPercent), 0, 100);
-            parts.Add($"{displayName}: {remaining}% left");
+            if (included == 0) p0 = part;
+            else p1 = part;
+            included++;
         }
 
-        if (parts.Count == 0)
-            return "";
+        if (included == 0) return "";
 
-        if (status.Providers.Count > 2)
-            parts.Add($"+{status.Providers.Count - 2}");
-
-        return string.Join(" · ", parts);
+        string? overflow = status.Providers.Count > 2 ? $"+{status.Providers.Count - 2}" : null;
+        return (p1, overflow) switch
+        {
+            (null, null) => p0!,
+            (null, _)    => $"{p0} · {overflow}",
+            (_, null)    => $"{p0} · {p1}",
+            _            => $"{p0} · {p1} · {overflow}",
+        };
     }
 
     private static string? FirstNonEmpty(params string?[] values)
diff --git a/tests/OpenClaw.Shared.Tests/OpenClawGatewayClientTests.cs b/tests/OpenClaw.Shared.Tests/OpenClawGatewayClientTests.cs
index d44f3fd..df596e4 100644
--- a/tests/OpenClaw.Shared.Tests/OpenClawGatewayClientTests.cs
+++ b/tests/OpenClaw.Shared.Tests/OpenClawGatewayClientTests.cs
@@ -110,6 +110,14 @@ public class OpenClawGatewayClientTests
             return GetUsageState();
         }
 
+        public string CallBuildProviderSummary(GatewayUsageStatusInfo status)
+        {
+            var method = typeof(OpenClawGatewayClient).GetMethod(
+                "BuildProviderSummary",
+                System.Reflection.BindingFlags.NonPublic | System.Reflection.BindingFlags.Static);
+            return (string)method!.Invoke(null, new object[] { status })!;
+        }
+
         public GatewayUsageInfo ParseUsageCostPayload(string payloadJson)
         {
             InvokePrivatePayloadParser("ParseUsageCost", payloadJson);
@@ -644,6 +652,177 @@ public class OpenClawGatewayClientTests
         Assert.Contains("left", usage.ProviderSummary!);
     }
 
+    // ── BuildProviderSummary tests ──────────────────────────────────────────────
+
+    [Fact]
+    public void BuildProviderSummary_NoProviders_ReturnsEmpty()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo { Providers = [] };
+
+        Assert.Equal("", helper.CallBuildProviderSummary(status));
+    }
+
+    [Fact]
+    public void BuildProviderSummary_SingleProviderWithUsage_ShowsRemainingPercent()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers =
+            [
+                new GatewayUsageProviderInfo
+                {
+                    DisplayName = "OpenAI",
+                    Windows = [new GatewayUsageWindowInfo { Label = "daily", UsedPercent = 25.0 }]
+                }
+            ]
+        };
+
+        var result = helper.CallBuildProviderSummary(status);
+
+        Assert.Equal("OpenAI: 75% left", result);
+    }
+
+    [Fact]
+    public void BuildProviderSummary_SingleProviderWithError_ShowsErrorLabel()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers =
+            [
+                new GatewayUsageProviderInfo { DisplayName = "Anthropic", Error = "rate limited" }
+            ]
+        };
+
+        Assert.Equal("Anthropic: error", helper.CallBuildProviderSummary(status));
+    }
+
+    [Fact]
+    public void BuildProviderSummary_ProviderWithNoWindows_IsSkipped()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers = [new GatewayUsageProviderInfo { DisplayName = "OpenAI" }]
+        };
+
+        Assert.Equal("", helper.CallBuildProviderSummary(status));
+    }
+
+    [Fact]
+    public void BuildProviderSummary_TwoProviders_JoinedWithSeparator()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers =
+            [
+                new GatewayUsageProviderInfo
+                {
+                    DisplayName = "OpenAI",
+                    Windows = [new GatewayUsageWindowInfo { UsedPercent = 20.0 }]
+                },
+                new GatewayUsageProviderInfo
+                {
+                    DisplayName = "Anthropic",
+                    Windows = [new GatewayUsageWindowInfo { UsedPercent = 50.0 }]
+                }
+            ]
+        };
+
+        Assert.Equal("OpenAI: 80% left · Anthropic: 50% left", helper.CallBuildProviderSummary(status));
+    }
+
+    [Fact]
+    public void BuildProviderSummary_ThreeProviders_ShowsOverflowCount()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers =
+            [
+                new GatewayUsageProviderInfo
+                {
+                    DisplayName = "P1",
+                    Windows = [new GatewayUsageWindowInfo { UsedPercent = 10.0 }]
+                },
+                new GatewayUsageProviderInfo
+                {
+                    DisplayName = "P2",
+                    Windows = [new GatewayUsageWindowInfo { UsedPercent = 20.0 }]
+                },
+                new GatewayUsageProviderInfo
+                {
+                    DisplayName = "P3",
+                    Windows = [new GatewayUsageWindowInfo { UsedPercent = 30.0 }]
+                }
+            ]
+        };
+
+        var result = helper.CallBuildProviderSummary(status);
+
+        Assert.Equal("P1: 90% left · P2: 80% left · +1", result);
+    }
+
+    [Fact]
+    public void BuildProviderSummary_MissingDisplayName_FallsBackToProviderField()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers =
+            [
+                new GatewayUsageProviderInfo
+                {
+                    Provider = "openai",
+                    Windows = [new GatewayUsageWindowInfo { UsedPercent = 0.0 }]
+                }
+            ]
+        };
+
+        Assert.StartsWith("openai:", helper.CallBuildProviderSummary(status));
+    }
+
+    [Fact]
+    public void BuildProviderSummary_AllProvidersEmpty_ReturnsEmpty()
+    {
+        var helper = new GatewayClientTestHelper();
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers =
+            [
+                new GatewayUsageProviderInfo { DisplayName = "P1" },
+                new GatewayUsageProviderInfo { DisplayName = "P2" }
+            ]
+        };
+
+        Assert.Equal("", helper.CallBuildProviderSummary(status));
+    }
+
+    [Fact]
+    public void BuildProviderSummary_OverflowWithOneValidProvider_ShowsOverflow()
+    {
+        var helper = new GatewayClientTestHelper();
+        // 3 providers but only the first has windows — included=1, but Providers.Count=3 > 2 → overflow shown
+        var status = new GatewayUsageStatusInfo
+        {
+            Providers =
+            [
+                new GatewayUsageProviderInfo
+                {
+                    DisplayName = "P1",
+                    Windows = [new GatewayUsageWindowInfo { UsedPercent = 10.0 }]
+                },
+                new GatewayUsageProviderInfo { DisplayName = "P2" },
+                new GatewayUsageProviderInfo { DisplayName = "P3" }
+            ]
+        };
+
+        Assert.Equal("P1: 90% left · +1", helper.CallBuildProviderSummary(status));
+    }
+
     [Fact]
     public void ParseUsageCostPayload_UpdatesLegacyUsageTotals()
     {