diff --git a/apps/cloud/src/services/sources-api.node.test.ts b/apps/cloud/src/services/sources-api.node.test.ts
index a8cfa8ee5..251271647 100644
--- a/apps/cloud/src/services/sources-api.node.test.ts
+++ b/apps/cloud/src/services/sources-api.node.test.ts
@@ -20,6 +20,7 @@ import {
   makeOpenApiHttpApiTestSpecPayload,
   serveOpenApiEchoTestServer,
 } from "@executor-js/plugin-openapi/testing";
+import { secretsForCredentialTarget } from "@executor-js/react/plugins/secret-header-auth";
 
 import { asOrg, asUser, testUserOrgScopeId } from "./__test-harness__/api-harness";
 
@@ -696,6 +697,62 @@ describe("sources api (HTTP)", () => {
     }),
   );
 
+  it.effect("personal source override picker can see org-owned secrets over HTTP", () =>
+    Effect.gen(function* () {
+      const orgId = `org_${crypto.randomUUID()}`;
+      const aliceId = `user_${crypto.randomUUID().slice(0, 8)}`;
+      const namespace = `ns_${crypto.randomUUID().replace(/-/g, "_")}`;
+      const aliceScope = testUserOrgScopeId(aliceId, orgId);
+
+      yield* asOrg(orgId, (client) =>
+        Effect.gen(function* () {
+          yield* client.openapi.addSpec({
+            params: { scopeId: ScopeId.make(orgId) },
+            payload: {
+              ...makeMinimalOpenApiSourcePayload(namespace),
+              headers: {
+                Authorization: {
+                  kind: "secret",
+                  prefix: "Bearer ",
+                },
+              },
+            },
+          });
+
+          yield* client.secrets.set({
+            params: { scopeId: ScopeId.make(orgId) },
+            payload: {
+              id: SecretId.make("shared_pat"),
+              name: "Shared PAT",
+              value: "org-secret",
+            },
+          });
+        }),
+      );
+
+      const secrets = yield* asUser(aliceId, orgId, (client) =>
+        client.secrets.listAll({ params: { scopeId: ScopeId.make(aliceScope) } }),
+      );
+
+      const pickerSecrets = secrets.map((secret) => ({
+        id: String(secret.id),
+        scopeId: String(secret.scopeId),
+        name: secret.name,
+        provider: secret.provider ? String(secret.provider) : undefined,
+      }));
+
+      expect(pickerSecrets).toContainEqual(
+        expect.objectContaining({ id: "shared_pat", scopeId: orgId }),
+      );
+      expect(
+        secretsForCredentialTarget(pickerSecrets, ScopeId.make(aliceScope), [
+          { id: ScopeId.make(aliceScope) },
+          { id: ScopeId.make(orgId) },
+        ]).map((secret) => secret.id),
+      ).toContain("shared_pat");
+    }),
+  );
+
   it.effect(
     "addSpec persists the full Cloudflare spec through the real Drizzle/FumaDB path",
     () =>
diff --git a/packages/react/src/plugins/secret-credential-scope.ts b/packages/react/src/plugins/secret-credential-scope.ts
index 0015c4eb4..947f9dd7f 100644
--- a/packages/react/src/plugins/secret-credential-scope.ts
+++ b/packages/react/src/plugins/secret-credential-scope.ts
@@ -1,9 +1,42 @@
 import type { ScopeId } from "@executor-js/sdk/shared";
 
 import type { SecretPickerSecret } from "./secret-picker";
+import type { CredentialTargetScopeOption } from "./credential-target-scope";
+
+type ScopeStackEntryLike = {
+  readonly id: ScopeId | string;
+};
+
+const scopeRank = (
+  scopeStack: readonly ScopeStackEntryLike[],
+  scopeId: ScopeId | string,
+): number => scopeStack.findIndex((entry) => String(entry.id) === String(scopeId));
 
 export const secretsForCredentialTarget = (
   secrets: readonly SecretPickerSecret[],
   targetScope: ScopeId,
+  scopeStack: readonly ScopeStackEntryLike[] = [],
 ): readonly SecretPickerSecret[] =>
-  secrets.filter((secret) => secret.scopeId === String(targetScope));
+  secrets.filter((secret) => {
+    const targetRank = scopeRank(scopeStack, targetScope);
+    if (targetRank === -1) return secret.scopeId === String(targetScope);
+
+    const secretRank = scopeRank(scopeStack, secret.scopeId);
+    return secretRank >= targetRank;
+  });
+
+export const secretScopeOptionsForCredentialTarget = (
+  options: readonly CredentialTargetScopeOption[],
+  targetScope: ScopeId,
+  scopeStack: readonly ScopeStackEntryLike[] = [],
+): readonly CredentialTargetScopeOption[] => {
+  const targetRank = scopeRank(scopeStack, targetScope);
+  if (targetRank === -1) {
+    return options.filter((option) => option.scopeId === targetScope);
+  }
+
+  return options.filter((option) => {
+    const optionRank = scopeRank(scopeStack, option.scopeId);
+    return optionRank >= targetRank;
+  });
+};
diff --git a/packages/react/src/plugins/secret-header-auth.test.ts b/packages/react/src/plugins/secret-header-auth.test.ts
index 622626065..3af2c0e35 100644
--- a/packages/react/src/plugins/secret-header-auth.test.ts
+++ b/packages/react/src/plugins/secret-header-auth.test.ts
@@ -1,7 +1,10 @@
 import { describe, expect, it } from "@effect/vitest";
 import { ScopeId } from "@executor-js/sdk/shared";
 
-import { secretsForCredentialTarget } from "./secret-credential-scope";
+import {
+  secretsForCredentialTarget,
+  secretScopeOptionsForCredentialTarget,
+} from "./secret-credential-scope";
 import { secretValueInputType } from "./secret-input";
 
 describe("secretsForCredentialTarget", () => {
@@ -16,6 +19,72 @@ describe("secretsForCredentialTarget", () => {
       ).map((secret) => secret.id),
     ).toEqual(["shared-token"]);
   });
+
+  it("exposes outer-scope secrets for personal credential overrides", () => {
+    expect(
+      secretsForCredentialTarget(
+        [
+          { id: "shared-token", scopeId: "org", name: "Shared token" },
+          { id: "personal-token", scopeId: "user", name: "Personal token" },
+        ],
+        ScopeId.make("user"),
+        [
+          { id: ScopeId.make("user") },
+          { id: ScopeId.make("org") },
+        ],
+      ).map((secret) => secret.id),
+    ).toEqual(["shared-token", "personal-token"]);
+  });
+
+  it("does not expose inner-scope secrets for organization default credentials", () => {
+    expect(
+      secretsForCredentialTarget(
+        [
+          { id: "shared-token", scopeId: "org", name: "Shared token" },
+          { id: "personal-token", scopeId: "user", name: "Personal token" },
+        ],
+        ScopeId.make("org"),
+        [
+          { id: ScopeId.make("user") },
+          { id: ScopeId.make("org") },
+        ],
+      ).map((secret) => secret.id),
+    ).toEqual(["shared-token"]);
+  });
+});
+
+describe("secretScopeOptionsForCredentialTarget", () => {
+  const userScope = ScopeId.make("user");
+  const orgScope = ScopeId.make("org");
+  const options = [
+    {
+      scopeId: userScope,
+      label: "Personal",
+      description: "Saved only for your account.",
+    },
+    {
+      scopeId: orgScope,
+      label: "Organization",
+      description: "Shared with everyone who can use this source.",
+    },
+  ];
+  const scopeStack = [{ id: userScope }, { id: orgScope }];
+
+  it("lets personal credential creation target personal or outer scopes", () => {
+    expect(
+      secretScopeOptionsForCredentialTarget(options, userScope, scopeStack).map(
+        (option) => option.label,
+      ),
+    ).toEqual(["Personal", "Organization"]);
+  });
+
+  it("does not let organization credential creation target inner scopes", () => {
+    expect(
+      secretScopeOptionsForCredentialTarget(options, orgScope, scopeStack).map(
+        (option) => option.label,
+      ),
+    ).toEqual(["Organization"]);
+  });
 });
 
 describe("secretValueInputType", () => {
diff --git a/packages/react/src/plugins/secret-header-auth.tsx b/packages/react/src/plugins/secret-header-auth.tsx
index 065902e4a..54b3eaefa 100644
--- a/packages/react/src/plugins/secret-header-auth.tsx
+++ b/packages/react/src/plugins/secret-header-auth.tsx
@@ -1,4 +1,4 @@
-import { useId, useState, type ReactNode } from "react";
+import { useEffect, useId, useMemo, useState, type ReactNode } from "react";
 
 import { ScopeId } from "@executor-js/sdk/shared";
 import { Button } from "../components/button";
@@ -19,10 +19,14 @@ import {
   SelectTrigger,
   SelectValue,
 } from "../components/select";
+import { useScopeStack } from "../api/scope-context";
 import { SecretForm } from "./secret-form";
 import { SecretPicker, type SecretPickerSecret } from "./secret-picker";
 import type { CredentialTargetScopeOption } from "./credential-target-scope";
-import { secretsForCredentialTarget } from "./secret-credential-scope";
+import {
+  secretsForCredentialTarget,
+  secretScopeOptionsForCredentialTarget,
+} from "./secret-credential-scope";
 
 export { secretsForCredentialTarget };
 
@@ -61,9 +65,12 @@ function CreateSecretContent(props: {
   onCancel?: () => void;
   fallbackId?: string;
   targetScope: ScopeId;
+  secretScopeOptions?: readonly CredentialTargetScopeOption[];
+  onTargetScopeChange?: (scopeId: ScopeId) => void;
 }) {
   return (
     <SecretForm.Provider
+      key={String(props.targetScope)}
       existingSecretIds={props.existingSecretIds}
       suggestedName={props.suggestedName}
       fallbackId={props.fallbackId ?? "custom-header"}
@@ -72,6 +79,26 @@ function CreateSecretContent(props: {
     >
       <div className="space-y-3">
         <FieldGroup className="gap-3">
+          {props.secretScopeOptions && props.secretScopeOptions.length > 1 && (
+            <Field>
+              <FieldLabel>Save in</FieldLabel>
+              <Select
+                value={String(props.targetScope)}
+                onValueChange={(scopeId) => props.onTargetScopeChange?.(ScopeId.make(scopeId))}
+              >
+                <SelectTrigger className="w-full">
+                  <SelectValue placeholder="Save in" />
+                </SelectTrigger>
+                <SelectContent>
+                  {props.secretScopeOptions.map((option) => (
+                    <SelectItem key={option.scopeId} value={option.scopeId}>
+                      {option.label}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+            </Field>
+          )}
           <div className="grid grid-cols-2 gap-3">
             <SecretForm.NameField label="Label" placeholder="API Token" />
             <SecretForm.IdField placeholder="my-api-token" />
@@ -113,11 +140,34 @@ function CreateSecretDialog(props: {
   readonly open: boolean;
   readonly onOpenChange: (open: boolean) => void;
   readonly suggestedName: string;
-  readonly existingSecretIds: readonly string[];
+  readonly existingSecrets: readonly SecretPickerSecret[];
   readonly onCreated: (secretId: string, scopeId: ScopeId) => void;
   readonly fallbackId?: string;
   readonly targetScope: ScopeId;
+  readonly secretScopeOptions?: readonly CredentialTargetScopeOption[];
 }) {
+  const [selectedScope, setSelectedScope] = useState(props.targetScope);
+  const allowedScopeOptions = props.secretScopeOptions?.length
+    ? props.secretScopeOptions
+    : [
+        {
+          scopeId: props.targetScope,
+          label: "Current",
+          description: "Saved for this credential.",
+        },
+      ];
+  const selectedExistingSecretIds = useMemo(
+    () =>
+      props.existingSecrets
+        .filter((secret) => secret.scopeId === String(selectedScope))
+        .map((secret) => secret.id),
+    [props.existingSecrets, selectedScope],
+  );
+
+  useEffect(() => {
+    if (props.open) setSelectedScope(props.targetScope);
+  }, [props.open, props.targetScope]);
+
   return (
     <Dialog open={props.open} onOpenChange={props.onOpenChange}>
       <DialogContent>
@@ -129,11 +179,13 @@ function CreateSecretDialog(props: {
         </DialogHeader>
         <CreateSecretContent
           suggestedName={props.suggestedName}
-          existingSecretIds={props.existingSecretIds}
+          existingSecretIds={selectedExistingSecretIds}
           fallbackId={props.fallbackId}
           onCreated={props.onCreated}
           onCancel={() => props.onOpenChange(false)}
-          targetScope={props.targetScope}
+          targetScope={selectedScope}
+          secretScopeOptions={allowedScopeOptions}
+          onTargetScopeChange={setSelectedScope}
         />
       </DialogContent>
     </Dialog>
@@ -340,7 +392,8 @@ export function SecretHeaderAuthRow(props: {
   const copy = { ...defaultSecretCredentialRowCopy, ...copyOverride };
   const headerLabel = name.trim() || "Custom Header";
   const suggestedName = [sourceName?.trim(), headerLabel].filter(Boolean).join(" ");
-  const scopedSecrets = secretsForCredentialTarget(existingSecrets, targetScope);
+  const scopeStack = useScopeStack();
+  const scopedSecrets = secretsForCredentialTarget(existingSecrets, targetScope, scopeStack);
 
   return (
     <div className="space-y-2.5 px-4 py-3">
@@ -348,12 +401,17 @@ export function SecretHeaderAuthRow(props: {
         open={creating}
         onOpenChange={setCreating}
         suggestedName={suggestedName}
-        existingSecretIds={scopedSecrets.map((secret) => secret.id)}
+        existingSecrets={existingSecrets}
         onCreated={(id, scopeId) => {
           onSelectSecret(id, scopeId);
           setCreating(false);
         }}
         targetScope={targetScope}
+        secretScopeOptions={
+          bindingScopeOptions
+            ? secretScopeOptionsForCredentialTarget(bindingScopeOptions, targetScope, scopeStack)
+            : undefined
+        }
       />
       <div className="flex w-full items-center justify-between gap-4">
         <span className="text-[10px] uppercase tracking-wider text-muted-foreground">
@@ -496,11 +554,13 @@ export function CreatableSecretPicker(props: {
     targetScope,
     onCreatedScope,
     suggestedId: suggestedIdProp,
+    credentialScopeOptions,
   } = props;
   const [creating, setCreating] = useState(false);
 
   const suggestedName = [sourceName?.trim(), secretLabel].filter(Boolean).join(" ");
-  const scopedSecrets = secretsForCredentialTarget(secrets, targetScope);
+  const scopeStack = useScopeStack();
+  const scopedSecrets = secretsForCredentialTarget(secrets, targetScope, scopeStack);
 
   if (creating) {
     return (
@@ -508,7 +568,7 @@ export function CreatableSecretPicker(props: {
         open={creating}
         onOpenChange={setCreating}
         suggestedName={suggestedName}
-        existingSecretIds={scopedSecrets.map((secret) => secret.id)}
+        existingSecrets={secrets}
         fallbackId={suggestedIdProp?.trim() || "secret"}
         onCreated={(id, scopeId) => {
           onCreatedScope?.(scopeId);
@@ -516,6 +576,11 @@ export function CreatableSecretPicker(props: {
           setCreating(false);
         }}
         targetScope={targetScope}
+        secretScopeOptions={
+          credentialScopeOptions
+            ? secretScopeOptionsForCredentialTarget(credentialScopeOptions, targetScope, scopeStack)
+            : undefined
+        }
       />
     );
   }