diff --git a/CHANGELOG.md b/CHANGELOG.md
index 375f1c7..f070216 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -17,6 +17,15 @@ and [`agents/peggy/CHANGELOG.md`](agents/peggy/CHANGELOG.md).
 
 ## Unreleased
 
+- **AGENTS.md is now a chain from repo root to workdir
+  (`LoadContext`).** Previously only `<workDir>/AGENTS.md` loaded;
+  in a monorepo, running from a subdirectory lost the repo-wide
+  instructions (or vice versa). Every AGENTS.md from the repository
+  root (nearest ancestor with `.git`) down to the workdir is
+  concatenated root-first, so nearer files read as refinements.
+  Outside a repository the old single-file behavior is unchanged.
+  (#369)
+
 - **Actionable model-unavailable errors
   (`providers.ModelUnavailableHint`, `Factory.ModelsListURL`).** A 404
   / model-not-found failure previously surfaced as a raw provider
diff --git a/context.go b/context.go
index c9a3f92..a185365 100644
--- a/context.go
+++ b/context.go
@@ -38,20 +38,28 @@ type ProjectContext struct {
 	Roles    map[string]Role
 }
 
-// LoadContext loads AGENTS.md (non-fatal if missing) and skills under
-// `<workDir>/.agents/skills/<name>/SKILL.md`. An empty workDir returns an
-// empty context.
+// LoadContext loads the AGENTS.md chain (non-fatal if missing) and
+// skills under `<workDir>/.agents/skills/<name>/SKILL.md`. An empty
+// workDir returns an empty context.
+//
+// AGENTS.md is a chain, not a single file: every AGENTS.md from the
+// repository root (the nearest ancestor containing `.git`, workDir
+// included) down to workDir is concatenated, root first and nearest
+// last — so in a monorepo a subdirectory can add local instructions on
+// top of the repo-wide ones, and later (nearer) files read naturally
+// as refinements. Outside a repository only `<workDir>/AGENTS.md` is
+// consulted, matching the old single-file behavior.
 func LoadContext(workDir string) (ProjectContext, error) {
 	var ctx ProjectContext
 	if strings.TrimSpace(workDir) == "" {
 		return ctx, nil
 	}
 
-	if data, err := os.ReadFile(filepath.Join(workDir, "AGENTS.md")); err == nil {
-		ctx.AgentsMD = strings.TrimSpace(string(data))
-	} else if !errors.Is(err, os.ErrNotExist) {
+	agentsMD, err := loadAgentsMDChain(workDir)
+	if err != nil {
 		return ProjectContext{}, err
 	}
+	ctx.AgentsMD = agentsMD
 
 	skills, err := loadSkills(filepath.Join(workDir, ".agents", "skills"))
 	if err != nil {
@@ -67,6 +75,59 @@ func LoadContext(workDir string) (ProjectContext, error) {
 	return ctx, nil
 }
 
+// loadAgentsMDChain concatenates every AGENTS.md from the repo root
+// down to workDir (root first). Missing files are skipped; read errors
+// other than not-exist propagate.
+func loadAgentsMDChain(workDir string) (string, error) {
+	abs, err := filepath.Abs(workDir)
+	if err != nil {
+		return "", err
+	}
+
+	// The chain's top is the nearest ancestor (workDir included) that
+	// contains .git; without one the chain is workDir alone.
+	top := abs
+	for dir := abs; ; {
+		if _, err := os.Stat(filepath.Join(dir, ".git")); err == nil {
+			top = dir
+			break
+		}
+		parent := filepath.Dir(dir)
+		if parent == dir {
+			break
+		}
+		dir = parent
+	}
+
+	var chain []string
+	for dir := abs; ; {
+		chain = append([]string{dir}, chain...)
+		if dir == top {
+			break
+		}
+		parent := filepath.Dir(dir)
+		if parent == dir {
+			break
+		}
+		dir = parent
+	}
+
+	var parts []string
+	for _, dir := range chain {
+		data, err := os.ReadFile(filepath.Join(dir, "AGENTS.md"))
+		if errors.Is(err, os.ErrNotExist) {
+			continue
+		}
+		if err != nil {
+			return "", err
+		}
+		if text := strings.TrimSpace(string(data)); text != "" {
+			parts = append(parts, text)
+		}
+	}
+	return strings.Join(parts, "\n\n"), nil
+}
+
 func loadRoles(rolesDir string) (map[string]Role, error) {
 	entries, err := os.ReadDir(rolesDir)
 	if errors.Is(err, os.ErrNotExist) {
diff --git a/context_test.go b/context_test.go
index e86660b..430455f 100644
--- a/context_test.go
+++ b/context_test.go
@@ -224,3 +224,61 @@ func TestSessionSkillProgrammaticEntryWins(t *testing.T) {
 		t.Fatalf("user = %q, want programmatic 'from code' to win over disk", user)
 	}
 }
+
+func TestLoadContextAgentsMDChain(t *testing.T) {
+	root := t.TempDir()
+	sub := filepath.Join(root, "services", "api")
+	if err := os.MkdirAll(filepath.Join(root, ".git"), 0o755); err != nil {
+		t.Fatal(err)
+	}
+	if err := os.MkdirAll(sub, 0o755); err != nil {
+		t.Fatal(err)
+	}
+	if err := os.WriteFile(filepath.Join(root, "AGENTS.md"), []byte("repo-wide rules"), 0o644); err != nil {
+		t.Fatal(err)
+	}
+	if err := os.WriteFile(filepath.Join(sub, "AGENTS.md"), []byte("api-local rules"), 0o644); err != nil {
+		t.Fatal(err)
+	}
+
+	ctx, err := LoadContext(sub)
+	if err != nil {
+		t.Fatalf("LoadContext: %v", err)
+	}
+	if ctx.AgentsMD != "repo-wide rules\n\napi-local rules" {
+		t.Fatalf("AgentsMD = %q, want root-first concatenation", ctx.AgentsMD)
+	}
+
+	// Intermediate directory without AGENTS.md is skipped silently;
+	// a workDir at the repo root sees only the root file.
+	ctx, err = LoadContext(root)
+	if err != nil {
+		t.Fatalf("LoadContext(root): %v", err)
+	}
+	if ctx.AgentsMD != "repo-wide rules" {
+		t.Fatalf("AgentsMD at root = %q", ctx.AgentsMD)
+	}
+}
+
+func TestLoadContextAgentsMDNoRepo(t *testing.T) {
+	// No .git anywhere in the temp tree: chain is workDir alone, so a
+	// parent AGENTS.md must NOT leak in.
+	parent := t.TempDir()
+	work := filepath.Join(parent, "w")
+	if err := os.MkdirAll(work, 0o755); err != nil {
+		t.Fatal(err)
+	}
+	if err := os.WriteFile(filepath.Join(parent, "AGENTS.md"), []byte("parent rules"), 0o644); err != nil {
+		t.Fatal(err)
+	}
+	if err := os.WriteFile(filepath.Join(work, "AGENTS.md"), []byte("local rules"), 0o644); err != nil {
+		t.Fatal(err)
+	}
+	ctx, err := LoadContext(work)
+	if err != nil {
+		t.Fatalf("LoadContext: %v", err)
+	}
+	if ctx.AgentsMD != "local rules" {
+		t.Fatalf("AgentsMD = %q, want only the local file outside a repo", ctx.AgentsMD)
+	}
+}