diff --git a/server/cmd/server/main.go b/server/cmd/server/main.go
index d91f3cf..ea3f9d3 100644
--- a/server/cmd/server/main.go
+++ b/server/cmd/server/main.go
@@ -376,7 +376,15 @@ func mountV1(r chi.Router, sqlDB *sql.DB, rdb *redis.Client, nodeSvc *nodes.Serv
 			slog.Warn("PANGOLIN_PUBLIC_URL 未设置:国内分流(split_cn)将被静默跳过,客户端全量走隧道。" +
 				"如需国内直连,设为控制面对外公网基址(如 http://<公网IP>:8080)")
 		}
-		nodeAPI = httpapi.NewNodeAPI(nodeStore, nodeSvc.Hub(), nodeSvc.Load(), os.Getenv("NODE_DERIVE_KEY"), publicURL)
+		// 私有服务域名分流(家庭内网穿透,如 nas/git/win.yanmeiai.com):
+		// 逗号分隔;这些域名用系统 DNS 解析、在外强制走隧道(排在国内分流前)。
+		var privateSplitDomains []string
+		for _, d := range strings.Split(os.Getenv("PANGOLIN_PRIVATE_SPLIT_DOMAINS"), ",") {
+			if d = strings.TrimSpace(d); d != "" {
+				privateSplitDomains = append(privateSplitDomains, d)
+			}
+		}
+		nodeAPI = httpapi.NewNodeAPI(nodeStore, nodeSvc.Hub(), nodeSvc.Load(), os.Getenv("NODE_DERIVE_KEY"), publicURL, privateSplitDomains)
 	}
 
 	// 国内分流(#5)的 rule-set 静态服务:GET /v1/rules/{name}.srs(自托管,
diff --git a/server/internal/httpapi/clientconfig.go b/server/internal/httpapi/clientconfig.go
index a282aa2..426f1e4 100644
--- a/server/internal/httpapi/clientconfig.go
+++ b/server/internal/httpapi/clientconfig.go
@@ -15,6 +15,13 @@ type ClientConfigOpts struct {
 	// RulesBaseURL 是控制面对外公网基址(如 "http://node:8080"),rule_set 的 .srs
 	// 从 <base>/v1/rules/*.srs 下载。SplitCN 生效需此项非空(否则分流静默跳过)。
 	RulesBaseURL string
+	// PrivateSplitDomains 私有服务域名(家庭内网穿透,如 nas/git/win.yanmeiai.com,
+	// 服务端 env PANGOLIN_PRIVATE_SPLIT_DOMAINS 配置;空=行为完全不变):
+	//   - DNS 改用系统解析器(在家吃到局域网 DNS 覆盖→私网 IP;在外解析出公网锚点)
+	//   - 路由上私网结果命中 LAN 直连(在家零绕行),公网结果强制走隧道——该规则
+	//     必须排在国内分流(geoip-cn)之前:锚点(frps@ali)是国内 IP,否则 smartRoute
+	//     会把它分流成直连,被 frps 侧安全组限源(仅节点出口)拦截。
+	PrivateSplitDomains []string
 }
 
 // BuildClientConfig renders a complete sing-box CLIENT configuration JSON that
@@ -126,7 +133,8 @@ func BuildClientConfig(node *nodes.NodeRow, dpUUID, deriveKey string, opts Clien
 		"tolerance": 50,
 	}
 
-	// Route: DNS 劫持 → LAN direct →(可选)国内直连 → 其余 via auto。
+	// Route: DNS 劫持 → LAN direct →(可选)私有域名走隧道 →(可选)国内直连 → 其余 via auto。
+	privateSplit := len(opts.PrivateSplitDomains) > 0
 	routeRules := []any{
 		// DNS 劫持(sing-box 1.13 action=hijack-dns,按目的端口 53 匹配,不依赖 sniff):
 		// 把发往隧道 DNS(172.19.0.2:53)的查询交给 sing-box DNS 模块解析。必须排在 LAN
@@ -138,6 +146,15 @@ func BuildClientConfig(node *nodes.NodeRow, dpUUID, deriveKey string, opts Clien
 			"outbound": "direct",
 		},
 	}
+	if privateSplit {
+		// 私有域名强制走隧道。在家不受此规则影响:系统 DNS(局域网覆盖)解析出私网 IP,
+		// 上面的 LAN 直连规则先命中。域名元数据靠 dns.reverse_mapping 补回(应用自行
+		// 解析后按 IP 连接,无回映射则此规则永不匹配、在外会掉进国内分流被限源拦截)。
+		routeRules = append(routeRules, map[string]any{
+			"domain":   opts.PrivateSplitDomains,
+			"outbound": "auto",
+		})
+	}
 	route := map[string]any{
 		"final":                 "auto",
 		"auto_detect_interface": true,
@@ -166,24 +183,42 @@ func BuildClientConfig(node *nodes.NodeRow, dpUUID, deriveKey string, opts Clien
 	// DNS: remote over tunnel, local for domestic.
 	// sing-box 1.12+ DNS server format(type+server);旧的 address 串格式在
 	// 1.13 已 FATAL 拒绝(legacy DNS servers deprecated)。
+	dnsServers := []any{
+		map[string]any{"tag": "remote", "type": "tls", "server": "8.8.8.8", "detour": "auto"},
+		// local 不带 detour:sing-box 1.12 拒绝 DNS detour 到空 direct 出站
+		// (FATAL: detour to an empty direct outbound makes no sense)。
+		map[string]any{"tag": "local", "type": "udp", "server": "223.5.5.5"},
+	}
+	if privateSplit {
+		// 系统解析器(type=local,经底层物理网络):在家=路由器 DHCP 下发的局域网 DNS
+		// (含私有域名覆盖→私网 IP),在外=所在网络 DNS(公网记录→锚点 IP)。
+		// 不能用 223.5.5.5/8.8.8.8——公共 DNS 不知道家里的覆盖记录。
+		dnsServers = append(dnsServers, map[string]any{"tag": "dns-system", "type": "local"})
+	}
 	dns := map[string]any{
-		"servers": []any{
-			map[string]any{"tag": "remote", "type": "tls", "server": "8.8.8.8", "detour": "auto"},
-			// local 不带 detour:sing-box 1.12 拒绝 DNS detour 到空 direct 出站
-			// (FATAL: detour to an empty direct outbound makes no sense)。
-			map[string]any{"tag": "local", "type": "udp", "server": "223.5.5.5"},
-		},
+		"servers":  dnsServers,
 		"final":    "remote",
 		"strategy": "ipv4_only",
 	}
+	dnsRules := []any{}
+	if privateSplit {
+		// 私有域名规则须排在 geosite-cn 之前(优先级最高)。
+		dnsRules = append(dnsRules, map[string]any{
+			"domain": opts.PrivateSplitDomains, "server": "dns-system",
+		})
+		// 回映射:记住"哪个 IP 是哪个域名解析出来的",给后续按 IP 发起的连接补回
+		// 域名元数据——路由层的 domain 规则(私有域名→隧道)靠它才会命中。
+		dns["reverse_mapping"] = true
+	}
 	// 国内分流的 DNS 面(补 #5 数据面之外的 DNS 面):开分流时,命中 geosite-cn 的
 	// 国内域名用 local(223.5.5.5)直连解析,不走 remote(8.8.8.8 经隧道)。否则即便数据
 	// 直连,域名解析仍绕道出海(实测国内 DNS 段 200-600ms),首连凭空多一个出海 RTT。
 	// 复用 route.rule_set 里已定义的 geosite-cn 标签。
 	if splitActive {
-		dns["rules"] = []any{
-			map[string]any{"rule_set": []string{"geosite-cn"}, "server": "local"},
-		}
+		dnsRules = append(dnsRules, map[string]any{"rule_set": []string{"geosite-cn"}, "server": "local"})
+	}
+	if len(dnsRules) > 0 {
+		dns["rules"] = dnsRules
 	}
 
 	cfg := map[string]any{
diff --git a/server/internal/httpapi/clientconfig_test.go b/server/internal/httpapi/clientconfig_test.go
index df0985c..a144d1f 100644
--- a/server/internal/httpapi/clientconfig_test.go
+++ b/server/internal/httpapi/clientconfig_test.go
@@ -91,6 +91,84 @@ func TestBuildClientConfigSplitCN(t *testing.T) {
 	}
 }
 
+func TestBuildClientConfigPrivateSplit(t *testing.T) {
+	domains := []string{"nas.yanmeiai.com", "git.yanmeiai.com", "win.yanmeiai.com"}
+	// 私有分流 + 国内分流同时开:验证规则齐全且顺序正确
+	// (LAN 直连 → 私有域名强制走隧道 → 国内直连;私有规则必须在国内直连之前,
+	// 否则锚点是国内 IP 会被分流成直连、被 frps 侧安全组限源拦截)。
+	cfg, err := BuildClientConfig(testNode(), "uuid-1", "k",
+		ClientConfigOpts{SplitCN: true, RulesBaseURL: "http://node:8080",
+			PrivateSplitDomains: domains})
+	if err != nil {
+		t.Fatal(err)
+	}
+	var m map[string]any
+	if err := json.Unmarshal(cfg, &m); err != nil {
+		t.Fatal(err)
+	}
+
+	// ① dns.servers 含系统解析器(type=local):在家吃到局域网 DNS 覆盖(私网IP),
+	//    在外用所在网络 DNS 解析出公网锚点。
+	dnsm := m["dns"].(map[string]any)
+	foundSystem := false
+	for _, s := range dnsm["servers"].([]any) {
+		sm := s.(map[string]any)
+		if sm["tag"] == "dns-system" && sm["type"] == "local" {
+			foundSystem = true
+		}
+	}
+	if !foundSystem {
+		t.Error("missing dns-system (type=local) dns server")
+	}
+
+	// ② dns.rules 首条 = 私有域名→dns-system(须排在 geosite-cn→local 之前)。
+	dnsRules := dnsm["rules"].([]any)
+	dr := dnsRules[0].(map[string]any)
+	if dr["server"] != "dns-system" || dr["domain"] == nil {
+		t.Errorf("dns.rules[0] should be private domains → dns-system, got %v", dr)
+	}
+
+	// ③ reverse_mapping 开启:应用自行解析后按 IP 连接,回映射补回域名元数据,
+	//    路由的 domain 规则才有效。
+	if dnsm["reverse_mapping"] != true {
+		t.Error("reverse_mapping should be true when private split is on")
+	}
+
+	// ④ 路由顺序:LAN 直连 < 私有域名→auto < 国内 rule_set→direct。
+	rules := m["route"].(map[string]any)["rules"].([]any)
+	lanIdx, privIdx, cnIdx := -1, -1, -1
+	for i, r := range rules {
+		rm := r.(map[string]any)
+		if rm["ip_cidr"] != nil && rm["outbound"] == "direct" {
+			lanIdx = i
+		}
+		if rm["domain"] != nil && rm["outbound"] == "auto" {
+			privIdx = i
+		}
+		if rm["rule_set"] != nil && rm["outbound"] == "direct" {
+			cnIdx = i
+		}
+	}
+	if lanIdx < 0 || privIdx < 0 || cnIdx < 0 {
+		t.Fatalf("missing rules: lan=%d priv=%d cn=%d", lanIdx, privIdx, cnIdx)
+	}
+	if !(lanIdx < privIdx && privIdx < cnIdx) {
+		t.Errorf("rule order wrong: lan=%d < priv=%d < cn=%d expected", lanIdx, privIdx, cnIdx)
+	}
+
+	// ⑤ 不配置 → 全部不出现(行为与旧版完全一致)。
+	cfg2, _ := BuildClientConfig(testNode(), "uuid-1", "k", ClientConfigOpts{})
+	var m2 map[string]any
+	_ = json.Unmarshal(cfg2, &m2)
+	dnsm2 := m2["dns"].(map[string]any)
+	if _, ok := dnsm2["reverse_mapping"]; ok {
+		t.Error("private split off: reverse_mapping should be absent")
+	}
+	if strings.Contains(string(cfg2), "dns-system") {
+		t.Error("private split off: dns-system should be absent")
+	}
+}
+
 func TestRulesHandler(t *testing.T) {
 	dir := t.TempDir()
 	if err := os.WriteFile(filepath.Join(dir, "geoip-cn.srs"), []byte("SRS"), 0o644); err != nil {
diff --git a/server/internal/httpapi/nodes.go b/server/internal/httpapi/nodes.go
index 76e3aa6..8f0e232 100644
--- a/server/internal/httpapi/nodes.go
+++ b/server/internal/httpapi/nodes.go
@@ -42,12 +42,16 @@ type NodeAPI struct {
 	// rulesBaseURL 是控制面对外公网基址(PANGOLIN_PUBLIC_URL),供国内分流的
 	// rule_set .srs 下载用;空则分流不生效。
 	rulesBaseURL string
+	// privateSplitDomains 私有服务域名(PANGOLIN_PRIVATE_SPLIT_DOMAINS,逗号分隔),
+	// 见 ClientConfigOpts.PrivateSplitDomains;空则不渲染相关规则。
+	privateSplitDomains []string
 }
 
 // NewNodeAPI creates a NodeAPI. load may be nil (then all nodes are treated as
 // data-plane healthy — agent gRPC liveness still gates status).
-func NewNodeAPI(store nodes.NodeStore, hub *nodes.Hub, load nodeLoadReader, deriveKey, rulesBaseURL string) *NodeAPI {
-	return &NodeAPI{store: store, hub: hub, load: load, deriveKey: deriveKey, rulesBaseURL: rulesBaseURL}
+func NewNodeAPI(store nodes.NodeStore, hub *nodes.Hub, load nodeLoadReader, deriveKey, rulesBaseURL string, privateSplitDomains []string) *NodeAPI {
+	return &NodeAPI{store: store, hub: hub, load: load, deriveKey: deriveKey,
+		rulesBaseURL: rulesBaseURL, privateSplitDomains: privateSplitDomains}
 }
 
 // dataPlaneHealthy reports the node's last sing-box health (default true when
@@ -315,7 +319,8 @@ func (a *NodeAPI) ConnectNode(w http.ResponseWriter, r *http.Request) {
 	//    split_cn=1/true → 国内 IP/域名直连(#5);客户端按 smartRoute 偏好传。
 	splitCN := r.URL.Query().Get("split_cn") == "1" || r.URL.Query().Get("split_cn") == "true"
 	cfgJSON, renderErr := BuildClientConfig(node, dpUUID, a.deriveKey,
-		ClientConfigOpts{SplitCN: splitCN, RulesBaseURL: a.rulesBaseURL})
+		ClientConfigOpts{SplitCN: splitCN, RulesBaseURL: a.rulesBaseURL,
+			PrivateSplitDomains: a.privateSplitDomains})
 	if renderErr != nil {
 		slog.Error("connect: build client config failed", "node", nodeUUID, "err", renderErr)
 		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
@@ -324,7 +329,8 @@ func (a *NodeAPI) ConnectNode(w http.ResponseWriter, r *http.Request) {
 	// 可观测:国内分流是否真正生效(split_active=两个条件都满足才渲染 rule_set)。
 	slog.Info("client config rendered", "node", nodeUUID, "split_cn", splitCN,
 		"rules_base_set", a.rulesBaseURL != "",
-		"split_active", splitCN && a.rulesBaseURL != "", "bytes", len(cfgJSON))
+		"split_active", splitCN && a.rulesBaseURL != "",
+		"private_split", len(a.privateSplitDomains), "bytes", len(cfgJSON))
 
 	w.Header().Set("Content-Type", "application/json; charset=utf-8")
 	_, _ = w.Write(cfgJSON)
diff --git a/server/internal/httpapi/nodes_disconnect_test.go b/server/internal/httpapi/nodes_disconnect_test.go
index d8aab8a..d28c7cb 100644
--- a/server/internal/httpapi/nodes_disconnect_test.go
+++ b/server/internal/httpapi/nodes_disconnect_test.go
@@ -51,7 +51,7 @@ func (f *fakeDisconnectStore) PersistCredential(context.Context, int64, *agentv1
 
 func doDisconnect(t *testing.T, store *fakeDisconnectStore, body string) int {
 	t.Helper()
-	api := NewNodeAPI(store, nil, nil, "", "") // nil hub:跳过 Push,只验证凭证删除
+	api := NewNodeAPI(store, nil, nil, "", "", nil) // nil hub:跳过 Push,只验证凭证删除
 	req := httptest.NewRequest("POST", "/v1/nodes/node-1/disconnect", strings.NewReader(body))
 	rctx := chi.NewRouteContext()
 	rctx.URLParams.Add("id", "node-1")