diff --git a/docs/release-control/v6/internal/subsystems/monitoring.md b/docs/release-control/v6/internal/subsystems/monitoring.md
index 628240b6dd..e3897ec5e2 100644
--- a/docs/release-control/v6/internal/subsystems/monitoring.md
+++ b/docs/release-control/v6/internal/subsystems/monitoring.md
@@ -3488,6 +3488,16 @@ of that current inventory immediately and cannot produce a false
 `agent_credential_missing` diagnosis. `MultiTenantMonitor` deep-copies only
 non-default tenant configuration; those tenant copies remain isolated from the
 primary runtime's mutable token state.
+
+That ownership survives a full monitor reload. `ReloadableMonitor` loads and
+validates replacement settings, stops the old monitors, and refreshes the
+original configuration under `config.Mu` before creating the replacement
+manager. It must not split the retained API/authentication configuration from
+the default monitor. `TestReloadPreservesLiveAgentCredentialInventory` exercises
+two reloads followed by token creation and revocation, including the diagnostic
+for a recently used credential. It preserves the registry-stale warning for a
+credential that is actually absent, while preventing it for a live token.
+
 `internal/fleethealth/agent_test.go` and
 `internal/monitoring/agent_fleet_doctor_test.go` are the focused runtime proofs.
 
diff --git a/internal/monitoring/reload.go b/internal/monitoring/reload.go
index 5e36b97dc7..fe1f408336 100644
--- a/internal/monitoring/reload.go
+++ b/internal/monitoring/reload.go
@@ -179,13 +179,23 @@ func (rm *ReloadableMonitor) doReload() error {
 	// Wait a moment for cleanup
 	time.Sleep(1 * time.Second)
 
+	// Authentication middleware and API handlers retain the original runtime
+	// configuration. Refresh that object so the replacement default monitor also
+	// sees later token creation, rotation and revocation through the same owner.
+	config.Mu.Lock()
+	if rm.config == nil {
+		rm.config = cfg
+	} else {
+		*rm.config = *cfg
+	}
+	config.Mu.Unlock()
+
 	// Create new multi-tenant monitor
 	// Note: We lose existing instances state here, which is expected on full reload.
-	newMTMonitor := NewMultiTenantMonitor(cfg, rm.persistence, rm.wsHub)
+	newMTMonitor := NewMultiTenantMonitor(rm.config, rm.persistence, rm.wsHub)
 
 	// Replace monitor
 	rm.mtMonitor = newMTMonitor
-	rm.config = cfg
 
 	// Start new monitor context (individual monitors are lazy loaded/started)
 	rm.ctx, rm.cancel = context.WithCancel(rm.parentCtx)
diff --git a/internal/monitoring/reload_test.go b/internal/monitoring/reload_test.go
index adedc82487..41b9fb811c 100644
--- a/internal/monitoring/reload_test.go
+++ b/internal/monitoring/reload_test.go
@@ -82,6 +82,52 @@ func TestReloadableMonitor_Lifecycle_Coverage(t *testing.T) {
 	rm.Stop()
 }
 
+func TestReloadPreservesLiveAgentCredentialInventory(t *testing.T) {
+	t.Setenv("PULSE_DATA_DIR", t.TempDir())
+	runtimeConfig, err := config.LoadWithoutLoggingInit()
+	require.NoError(t, err)
+	rm, err := NewReloadableMonitor(runtimeConfig, config.NewMultiTenantPersistence(runtimeConfig.DataPath), nil)
+	require.NoError(t, err)
+	ctx, cancel := context.WithCancel(context.Background())
+	t.Cleanup(cancel)
+	rm.Start(ctx)
+	t.Cleanup(rm.Stop)
+
+	// The server and authentication handlers retain runtimeConfig across reloads.
+	// Token creation and revocation replace its slice after the monitor restarts.
+	for generation := 0; generation < 2; generation++ {
+		require.NoError(t, rm.Reload())
+		monitor := rm.GetMonitor()
+		require.NotNil(t, monitor)
+		now := time.Now().UTC()
+		config.Mu.Lock()
+		runtimeConfig.APITokens = []config.APITokenRecord{{
+			ID: "reload-agent-token", CreatedAt: now, LastUsedAt: &now,
+			Scopes: []string{config.ScopeAgentExec},
+		}}
+		config.Mu.Unlock()
+		monitor.state.UpsertHost(models.Host{
+			ID: "reload-agent", Hostname: "reload-host", Status: "online",
+			LastSeen: now, AgentVersion: "6.4.1", TokenID: "reload-agent-token",
+			TokenLastUsedAt: &now, CommandsEnabled: true,
+		})
+		agent := requireAgentDiagnostic(t, monitor.GetAgentFleetDiagnostics("6.4.1", now), "agent-reload-agent")
+		require.False(t, diagnosticHasAnyReason(agent.Reasons,
+			AgentFleetReasonCredentialMissing, AgentFleetReasonCredentialUnlisted, AgentFleetReasonExecScopeMissing),
+			"live credential is absent from diagnostics after reload: %+v", agent.Reasons)
+		require.Same(t, runtimeConfig, rm.GetConfig())
+		require.Same(t, runtimeConfig, monitor.GetConfig())
+
+		// Revocation must also reach diagnostics. Recent usage still produces the
+		// existing contradiction warning, rather than hiding a missing credential.
+		config.Mu.Lock()
+		runtimeConfig.APITokens = nil
+		config.Mu.Unlock()
+		agent = requireAgentDiagnostic(t, monitor.GetAgentFleetDiagnostics("6.4.1", now), "agent-reload-agent")
+		requireReasonCode(t, agent, AgentFleetReasonCredentialUnlisted)
+	}
+}
+
 func TestReloadableMonitorAggregateInstallSnapshotCountsIncludesProvisionedTenants(t *testing.T) {
 	baseDir := t.TempDir()
 	cfg := &config.Config{DataPath: baseDir}