diff --git a/.changeset/fix-skill-user-home-dir.md b/.changeset/fix-skill-user-home-dir.md
new file mode 100644
index 000000000..80f073191
--- /dev/null
+++ b/.changeset/fix-skill-user-home-dir.md
@@ -0,0 +1,6 @@
+---
+"@moonshot-ai/agent-core": patch
+"@moonshot-ai/kimi-code": patch
+---
+
+Fix user skills in ~/.agents/ not being loaded.
diff --git a/packages/agent-core/src/rpc/core-impl.ts b/packages/agent-core/src/rpc/core-impl.ts
index c25a1c759..e79d11a4e 100644
--- a/packages/agent-core/src/rpc/core-impl.ts
+++ b/packages/agent-core/src/rpc/core-impl.ts
@@ -114,9 +114,8 @@ export class KimiCore implements PromisableMethods<CoreAPI> {
     protected readonly rpcClient: CoreRPCClient,
     options: KimiCoreOptions = {},
   ) {
-    const explicitHomeDir = options.homeDir ?? process.env['KIMI_CODE_HOME'];
     this.homeDir = resolveKimiHome(options.homeDir);
-    this.userHomeDir = explicitHomeDir ?? homedir();
+    this.userHomeDir = homedir();
     this.configPath = resolveConfigPath({
       homeDir: this.homeDir,
       configPath: options.configPath,
diff --git a/packages/agent-core/test/harness/skill-session.test.ts b/packages/agent-core/test/harness/skill-session.test.ts
index 8cb0c1612..6c20abd75 100644
--- a/packages/agent-core/test/harness/skill-session.test.ts
+++ b/packages/agent-core/test/harness/skill-session.test.ts
@@ -100,7 +100,7 @@ describe('HarnessAPI session skills', () => {
     expect(JSON.stringify(skills)).not.toContain('Your tool list contains one synthetic tool');
   });
 
-  it('uses the explicit core home as user skill home instead of the process home', async () => {
+  it('resolves user skills from the OS home directory, not from the kimi home', async () => {
     const processHome = join(tmp, 'process-home');
     vi.stubEnv('HOME', processHome);
     await writeUserSkill(processHome, 'real-home-only', 'Real home skill');
@@ -110,11 +110,11 @@ describe('HarnessAPI session skills', () => {
 
     const names = new Set((await rpc.listSkills({ sessionId: created.id })).map((skill) => skill.name));
 
-    expect(names.has('sandbox-only')).toBe(true);
-    expect(names.has('real-home-only')).toBe(false);
+    expect(names.has('real-home-only')).toBe(true);
+    expect(names.has('sandbox-only')).toBe(false);
   });
 
-  it('uses KIMI_CODE_HOME as user skill home when core home comes from env', async () => {
+  it('resolves user skills from the OS home directory even when KIMI_CODE_HOME is set', async () => {
     const processHome = join(tmp, 'env-process-home');
     vi.stubEnv('HOME', processHome);
     vi.stubEnv('KIMI_CODE_HOME', homeDir);
@@ -125,8 +125,8 @@ describe('HarnessAPI session skills', () => {
 
     const names = new Set((await rpc.listSkills({ sessionId: created.id })).map((skill) => skill.name));
 
-    expect(names.has('env-sandbox-only')).toBe(true);
-    expect(names.has('env-real-home-only')).toBe(false);
+    expect(names.has('env-real-home-only')).toBe(true);
+    expect(names.has('env-sandbox-only')).toBe(false);
   });
 
   it('activates an inline skill through core and records display origin metadata', async () => {
diff --git a/packages/node-sdk/test/session-skills.test.ts b/packages/node-sdk/test/session-skills.test.ts
index 5be7bb2ec..6f785bb40 100644
--- a/packages/node-sdk/test/session-skills.test.ts
+++ b/packages/node-sdk/test/session-skills.test.ts
@@ -192,7 +192,7 @@ describe('Session skills', () => {
     }
   });
 
-  it('uses KIMI_CODE_HOME as the user skill home through the SDK harness', async () => {
+  it('resolves user skills from the OS home directory, independently of KIMI_CODE_HOME', async () => {
     const homeDir = await makeTempDir(tempDirs, 'kimi-sdk-skills-home-');
     const processHome = await makeTempDir(tempDirs, 'kimi-sdk-skills-process-home-');
     const workDir = await makeTempDir(tempDirs, 'kimi-sdk-skills-work-');
@@ -206,8 +206,8 @@ describe('Session skills', () => {
       const session = await harness.createSession({ id: 'ses_sdk_skill_env_home', workDir });
       const names = new Set((await session.listSkills()).map((skill) => skill.name));
 
-      expect(names.has('sdk-sandbox-only')).toBe(true);
-      expect(names.has('sdk-real-home-only')).toBe(false);
+      expect(names.has('sdk-real-home-only')).toBe(true);
+      expect(names.has('sdk-sandbox-only')).toBe(false);
     } finally {
       await harness.close();
     }