diff --git a/packages/core/src/agents/auth-provider/base-provider.test.ts b/packages/core/src/agents/auth-provider/base-provider.test.ts
new file mode 100644
index 0000000000..cc9a20eecd
--- /dev/null
+++ b/packages/core/src/agents/auth-provider/base-provider.test.ts
@@ -0,0 +1,144 @@
+/**
+ * @license
+ * Copyright 2026 Google LLC
+ * SPDX-License-Identifier: Apache-2.0
+ */
+
+import { describe, it, expect } from 'vitest';
+import type { HttpHeaders } from '@a2a-js/sdk/client';
+import { BaseA2AAuthProvider } from './base-provider.js';
+import type { A2AAuthProviderType } from './types.js';
+
+/**
+ * Concrete implementation of BaseA2AAuthProvider for testing.
+ */
+class TestAuthProvider extends BaseA2AAuthProvider {
+  readonly type: A2AAuthProviderType = 'apiKey';
+  private testHeaders: HttpHeaders;
+
+  constructor(headers: HttpHeaders = { Authorization: 'test-token' }) {
+    super();
+    this.testHeaders = headers;
+  }
+
+  async headers(): Promise<HttpHeaders> {
+    return this.testHeaders;
+  }
+
+  setHeaders(headers: HttpHeaders): void {
+    this.testHeaders = headers;
+  }
+}
+
+describe('BaseA2AAuthProvider', () => {
+  describe('shouldRetryWithHeaders', () => {
+    it('should return headers for 401 response', async () => {
+      const provider = new TestAuthProvider({ Authorization: 'Bearer token' });
+      const response = new Response(null, { status: 401 });
+
+      const result = await provider.shouldRetryWithHeaders({}, response);
+
+      expect(result).toEqual({ Authorization: 'Bearer token' });
+    });
+
+    it('should return headers for 403 response', async () => {
+      const provider = new TestAuthProvider({ Authorization: 'Bearer token' });
+      const response = new Response(null, { status: 403 });
+
+      const result = await provider.shouldRetryWithHeaders({}, response);
+
+      expect(result).toEqual({ Authorization: 'Bearer token' });
+    });
+
+    it('should return undefined for 200 response', async () => {
+      const provider = new TestAuthProvider();
+      const response = new Response(null, { status: 200 });
+
+      const result = await provider.shouldRetryWithHeaders({}, response);
+
+      expect(result).toBeUndefined();
+    });
+
+    it('should return undefined for 500 response', async () => {
+      const provider = new TestAuthProvider();
+      const response = new Response(null, { status: 500 });
+
+      const result = await provider.shouldRetryWithHeaders({}, response);
+
+      expect(result).toBeUndefined();
+    });
+
+    it('should return undefined for 404 response', async () => {
+      const provider = new TestAuthProvider();
+      const response = new Response(null, { status: 404 });
+
+      const result = await provider.shouldRetryWithHeaders({}, response);
+
+      expect(result).toBeUndefined();
+    });
+
+    it('should call headers() to get fresh headers on retry', async () => {
+      const provider = new TestAuthProvider({ Authorization: 'old-token' });
+      const response = new Response(null, { status: 401 });
+
+      // Change headers before retry
+      provider.setHeaders({ Authorization: 'new-token' });
+
+      const result = await provider.shouldRetryWithHeaders({}, response);
+
+      expect(result).toEqual({ Authorization: 'new-token' });
+    });
+
+    it('should retry up to 2 times on 401/403', async () => {
+      const provider = new TestAuthProvider({ Authorization: 'Bearer token' });
+      const response401 = new Response(null, { status: 401 });
+
+      // First retry should succeed
+      const result1 = await provider.shouldRetryWithHeaders({}, response401);
+      expect(result1).toEqual({ Authorization: 'Bearer token' });
+
+      // Second retry should succeed
+      const result2 = await provider.shouldRetryWithHeaders({}, response401);
+      expect(result2).toEqual({ Authorization: 'Bearer token' });
+    });
+
+    it('should return undefined after max retries exceeded', async () => {
+      const provider = new TestAuthProvider({ Authorization: 'Bearer token' });
+      const response401 = new Response(null, { status: 401 });
+
+      // Exhaust retries
+      await provider.shouldRetryWithHeaders({}, response401); // retry 1
+      await provider.shouldRetryWithHeaders({}, response401); // retry 2
+
+      // Third attempt should return undefined
+      const result = await provider.shouldRetryWithHeaders({}, response401);
+      expect(result).toBeUndefined();
+    });
+
+    it('should reset retry count on successful response', async () => {
+      const provider = new TestAuthProvider({ Authorization: 'Bearer token' });
+      const response401 = new Response(null, { status: 401 });
+      const response200 = new Response(null, { status: 200 });
+
+      // Use up retries
+      await provider.shouldRetryWithHeaders({}, response401); // retry 1
+      await provider.shouldRetryWithHeaders({}, response401); // retry 2
+
+      // Success resets counter
+      await provider.shouldRetryWithHeaders({}, response200);
+
+      // Should be able to retry again
+      const result = await provider.shouldRetryWithHeaders({}, response401);
+      expect(result).toEqual({ Authorization: 'Bearer token' });
+    });
+  });
+
+  describe('initialize', () => {
+    it('should be a no-op by default', async () => {
+      const provider = new TestAuthProvider();
+
+      // Should not throw
+      await expect(provider.initialize()).resolves.toBeUndefined();
+    });
+  });
+});
diff --git a/packages/core/src/agents/auth-provider/base-provider.ts b/packages/core/src/agents/auth-provider/base-provider.ts
new file mode 100644
index 0000000000..7b21853a09
--- /dev/null
+++ b/packages/core/src/agents/auth-provider/base-provider.ts
@@ -0,0 +1,41 @@
+/**
+ * @license
+ * Copyright 2026 Google LLC
+ * SPDX-License-Identifier: Apache-2.0
+ */
+
+import type { HttpHeaders } from '@a2a-js/sdk/client';
+import type { A2AAuthProvider, A2AAuthProviderType } from './types.js';
+
+/**
+ * Abstract base class for A2A authentication providers.
+ */
+export abstract class BaseA2AAuthProvider implements A2AAuthProvider {
+  abstract readonly type: A2AAuthProviderType;
+  abstract headers(): Promise<HttpHeaders>;
+
+  private static readonly MAX_AUTH_RETRIES = 2;
+  private authRetryCount = 0;
+
+  /**
+   * Default: retry on 401/403 with fresh headers.
+   * Subclasses with cached tokens must override to force-refresh to avoid infinite retries.
+   */
+  async shouldRetryWithHeaders(
+    _req: RequestInit,
+    res: Response,
+  ): Promise<HttpHeaders | undefined> {
+    if (res.status === 401 || res.status === 403) {
+      if (this.authRetryCount >= BaseA2AAuthProvider.MAX_AUTH_RETRIES) {
+        return undefined; // Max retries exceeded
+      }
+      this.authRetryCount++;
+      return this.headers();
+    }
+    // Reset on success
+    this.authRetryCount = 0;
+    return undefined;
+  }
+
+  async initialize(): Promise<void> {}
+}
diff --git a/packages/core/src/agents/auth-provider/factory.test.ts b/packages/core/src/agents/auth-provider/factory.test.ts
new file mode 100644
index 0000000000..6aa7069fa9
--- /dev/null
+++ b/packages/core/src/agents/auth-provider/factory.test.ts
@@ -0,0 +1,482 @@
+/**
+ * @license
+ * Copyright 2026 Google LLC
+ * SPDX-License-Identifier: Apache-2.0
+ */
+
+import { describe, it, expect } from 'vitest';
+import { A2AAuthProviderFactory } from './factory.js';
+import type { AgentCard, SecurityScheme } from '@a2a-js/sdk';
+import type { A2AAuthConfig } from './types.js';
+
+describe('A2AAuthProviderFactory', () => {
+  describe('validateAuthConfig', () => {
+    describe('when no security schemes required', () => {
+      it('should return valid when securitySchemes is undefined', () => {
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          undefined,
+          undefined,
+        );
+        expect(result).toEqual({ valid: true });
+      });
+
+      it('should return valid when securitySchemes is empty', () => {
+        const result = A2AAuthProviderFactory.validateAuthConfig(undefined, {});
+        expect(result).toEqual({ valid: true });
+      });
+
+      it('should return valid when auth config provided but not required', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'apiKey',
+          key: 'test-key',
+        };
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          {},
+        );
+        expect(result).toEqual({ valid: true });
+      });
+    });
+
+    describe('when auth is required but not configured', () => {
+      it('should return invalid with diff', () => {
+        const securitySchemes: Record<string, SecurityScheme> = {
+          apiKeyAuth: {
+            type: 'apiKey',
+            name: 'X-API-Key',
+            in: 'header',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          undefined,
+          securitySchemes,
+        );
+
+        expect(result.valid).toBe(false);
+        expect(result.diff).toBeDefined();
+        expect(result.diff?.requiredSchemes).toContain('apiKeyAuth');
+        expect(result.diff?.configuredType).toBeUndefined();
+        expect(result.diff?.missingConfig).toContain(
+          'Authentication is required but not configured',
+        );
+      });
+    });
+
+    describe('apiKey scheme matching', () => {
+      it('should match apiKey config with apiKey scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'apiKey',
+          key: 'my-key',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          apiKeyAuth: {
+            type: 'apiKey',
+            name: 'X-API-Key',
+            in: 'header',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result).toEqual({ valid: true });
+      });
+
+      it('should not match http config with apiKey scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'http',
+          scheme: 'Bearer',
+          token: 'my-token',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          apiKeyAuth: {
+            type: 'apiKey',
+            name: 'X-API-Key',
+            in: 'header',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result.valid).toBe(false);
+        expect(result.diff?.missingConfig).toContain(
+          "Scheme 'apiKeyAuth' requires apiKey authentication",
+        );
+      });
+    });
+
+    describe('http scheme matching', () => {
+      it('should match http Bearer config with http Bearer scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'http',
+          scheme: 'Bearer',
+          token: 'my-token',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          bearerAuth: {
+            type: 'http',
+            scheme: 'Bearer',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result).toEqual({ valid: true });
+      });
+
+      it('should match http Basic config with http Basic scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'http',
+          scheme: 'Basic',
+          username: 'user',
+          password: 'pass',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          basicAuth: {
+            type: 'http',
+            scheme: 'Basic',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result).toEqual({ valid: true });
+      });
+
+      it('should not match http Basic config with http Bearer scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'http',
+          scheme: 'Basic',
+          username: 'user',
+          password: 'pass',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          bearerAuth: {
+            type: 'http',
+            scheme: 'Bearer',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result.valid).toBe(false);
+        expect(result.diff?.missingConfig).toContain(
+          "Scheme 'bearerAuth' requires HTTP Bearer authentication, but Basic was configured",
+        );
+      });
+
+      it('should match google-credentials with http Bearer scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'google-credentials',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          bearerAuth: {
+            type: 'http',
+            scheme: 'Bearer',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result).toEqual({ valid: true });
+      });
+    });
+
+    describe('oauth2 scheme matching', () => {
+      it('should match oauth2 config with oauth2 scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'oauth2',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          oauth2Auth: {
+            type: 'oauth2',
+            flows: {},
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result).toEqual({ valid: true });
+      });
+
+      it('should not match apiKey config with oauth2 scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'apiKey',
+          key: 'my-key',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          oauth2Auth: {
+            type: 'oauth2',
+            flows: {},
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result.valid).toBe(false);
+        expect(result.diff?.missingConfig).toContain(
+          "Scheme 'oauth2Auth' requires OAuth 2.0 authentication",
+        );
+      });
+    });
+
+    describe('openIdConnect scheme matching', () => {
+      it('should match openIdConnect config with openIdConnect scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'openIdConnect',
+          issuer_url: 'https://auth.example.com',
+          client_id: 'client-id',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          oidcAuth: {
+            type: 'openIdConnect',
+            openIdConnectUrl:
+              'https://auth.example.com/.well-known/openid-configuration',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result).toEqual({ valid: true });
+      });
+
+      it('should not match google-credentials for openIdConnect scheme', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'google-credentials',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          oidcAuth: {
+            type: 'openIdConnect',
+            openIdConnectUrl:
+              'https://auth.example.com/.well-known/openid-configuration',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result.valid).toBe(false);
+        expect(result.diff?.missingConfig).toContain(
+          "Scheme 'oidcAuth' requires OpenID Connect authentication",
+        );
+      });
+    });
+
+    describe('mutualTLS scheme', () => {
+      it('should always fail for mutualTLS (not supported)', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'apiKey',
+          key: 'test',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          mtlsAuth: {
+            type: 'mutualTLS',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result.valid).toBe(false);
+        expect(result.diff?.missingConfig).toContain(
+          "Scheme 'mtlsAuth' requires mTLS authentication (not yet supported)",
+        );
+      });
+    });
+
+    describe('multiple security schemes', () => {
+      it('should match if any scheme matches', () => {
+        const authConfig: A2AAuthConfig = {
+          type: 'http',
+          scheme: 'Bearer',
+          token: 'my-token',
+        };
+        const securitySchemes: Record<string, SecurityScheme> = {
+          apiKeyAuth: {
+            type: 'apiKey',
+            name: 'X-API-Key',
+            in: 'header',
+          },
+          bearerAuth: {
+            type: 'http',
+            scheme: 'Bearer',
+          },
+        };
+
+        const result = A2AAuthProviderFactory.validateAuthConfig(
+          authConfig,
+          securitySchemes,
+        );
+
+        expect(result).toEqual({ valid: true });
+      });
+    });
+  });
+
+  describe('describeRequiredAuth', () => {
+    it('should describe apiKey scheme', () => {
+      const securitySchemes: Record<string, SecurityScheme> = {
+        apiKeyAuth: {
+          type: 'apiKey',
+          name: 'X-API-Key',
+          in: 'header',
+        },
+      };
+
+      const result =
+        A2AAuthProviderFactory.describeRequiredAuth(securitySchemes);
+
+      expect(result).toBe('API Key (apiKeyAuth): Send X-API-Key in header');
+    });
+
+    it('should describe http Bearer scheme', () => {
+      const securitySchemes: Record<string, SecurityScheme> = {
+        bearerAuth: {
+          type: 'http',
+          scheme: 'Bearer',
+        },
+      };
+
+      const result =
+        A2AAuthProviderFactory.describeRequiredAuth(securitySchemes);
+
+      expect(result).toBe('HTTP Bearer (bearerAuth)');
+    });
+
+    it('should describe http Basic scheme', () => {
+      const securitySchemes: Record<string, SecurityScheme> = {
+        basicAuth: {
+          type: 'http',
+          scheme: 'Basic',
+        },
+      };
+
+      const result =
+        A2AAuthProviderFactory.describeRequiredAuth(securitySchemes);
+
+      expect(result).toBe('HTTP Basic (basicAuth)');
+    });
+
+    it('should describe oauth2 scheme', () => {
+      const securitySchemes: Record<string, SecurityScheme> = {
+        oauth2Auth: {
+          type: 'oauth2',
+          flows: {},
+        },
+      };
+
+      const result =
+        A2AAuthProviderFactory.describeRequiredAuth(securitySchemes);
+
+      expect(result).toBe('OAuth 2.0 (oauth2Auth)');
+    });
+
+    it('should describe openIdConnect scheme', () => {
+      const securitySchemes: Record<string, SecurityScheme> = {
+        oidcAuth: {
+          type: 'openIdConnect',
+          openIdConnectUrl:
+            'https://auth.example.com/.well-known/openid-configuration',
+        },
+      };
+
+      const result =
+        A2AAuthProviderFactory.describeRequiredAuth(securitySchemes);
+
+      expect(result).toBe('OpenID Connect (oidcAuth)');
+    });
+
+    it('should describe mutualTLS scheme', () => {
+      const securitySchemes: Record<string, SecurityScheme> = {
+        mtlsAuth: {
+          type: 'mutualTLS',
+        },
+      };
+
+      const result =
+        A2AAuthProviderFactory.describeRequiredAuth(securitySchemes);
+
+      expect(result).toBe('Mutual TLS (mtlsAuth)');
+    });
+
+    it('should join multiple schemes with OR', () => {
+      const securitySchemes: Record<string, SecurityScheme> = {
+        apiKeyAuth: {
+          type: 'apiKey',
+          name: 'X-API-Key',
+          in: 'header',
+        },
+        bearerAuth: {
+          type: 'http',
+          scheme: 'Bearer',
+        },
+      };
+
+      const result =
+        A2AAuthProviderFactory.describeRequiredAuth(securitySchemes);
+
+      expect(result).toBe(
+        'API Key (apiKeyAuth): Send X-API-Key in header OR HTTP Bearer (bearerAuth)',
+      );
+    });
+  });
+
+  describe('create', () => {
+    it('should return undefined when no auth config and no security schemes', async () => {
+      const result = await A2AAuthProviderFactory.create({
+        agentName: 'test-agent',
+      });
+
+      expect(result).toBeUndefined();
+    });
+
+    it('should return undefined when no auth config but AgentCard has security schemes', async () => {
+      const result = await A2AAuthProviderFactory.create({
+        agentName: 'test-agent',
+        agentCard: {
+          securitySchemes: {
+            apiKeyAuth: {
+              type: 'apiKey',
+              name: 'X-API-Key',
+              in: 'header',
+            },
+          },
+        } as unknown as AgentCard,
+      });
+
+      // Returns undefined - caller should prompt user to configure auth
+      expect(result).toBeUndefined();
+    });
+  });
+});
diff --git a/packages/core/src/agents/auth-provider/factory.ts b/packages/core/src/agents/auth-provider/factory.ts
new file mode 100644
index 0000000000..b79c8b4f77
--- /dev/null
+++ b/packages/core/src/agents/auth-provider/factory.ts
@@ -0,0 +1,241 @@
+/**
+ * @license
+ * Copyright 2026 Google LLC
+ * SPDX-License-Identifier: Apache-2.0
+ */
+
+import type { AgentCard, SecurityScheme } from '@a2a-js/sdk';
+import type {
+  A2AAuthConfig,
+  A2AAuthProvider,
+  AuthValidationResult,
+} from './types.js';
+
+export interface CreateAuthProviderOptions {
+  /** Required for OAuth/OIDC token storage. */
+  agentName?: string;
+  authConfig?: A2AAuthConfig;
+  agentCard?: AgentCard;
+}
+
+/**
+ * Factory for creating A2A authentication providers.
+ * @see https://a2a-protocol.org/latest/specification/#451-securityscheme
+ */
+export class A2AAuthProviderFactory {
+  static async create(
+    options: CreateAuthProviderOptions,
+  ): Promise<A2AAuthProvider | undefined> {
+    const { agentName: _agentName, authConfig, agentCard } = options;
+
+    if (!authConfig) {
+      if (
+        agentCard?.securitySchemes &&
+        Object.keys(agentCard.securitySchemes).length > 0
+      ) {
+        return undefined; // Caller should prompt user to configure auth
+      }
+      return undefined;
+    }
+
+    switch (authConfig.type) {
+      case 'google-credentials':
+        // TODO: Implement
+        throw new Error('google-credentials auth provider not yet implemented');
+
+      case 'apiKey':
+        // TODO: Implement
+        throw new Error('apiKey auth provider not yet implemented');
+
+      case 'http':
+        // TODO: Implement
+        throw new Error('http auth provider not yet implemented');
+
+      case 'oauth2':
+        // TODO: Implement
+        throw new Error('oauth2 auth provider not yet implemented');
+
+      case 'openIdConnect':
+        // TODO: Implement
+        throw new Error('openIdConnect auth provider not yet implemented');
+
+      default: {
+        const _exhaustive: never = authConfig;
+        throw new Error(
+          `Unknown auth type: ${(_exhaustive as A2AAuthConfig).type}`,
+        );
+      }
+    }
+  }
+
+  /** Create provider directly from config, bypassing AgentCard validation. */
+  static async createFromConfig(
+    authConfig: A2AAuthConfig,
+    agentName?: string,
+  ): Promise<A2AAuthProvider> {
+    const provider = await A2AAuthProviderFactory.create({
+      authConfig,
+      agentName,
+    });
+
+    // create() returns undefined only when authConfig is missing.
+    // Since authConfig is required here, provider will always be defined
+    // (or create() throws for unimplemented types).
+    return provider!;
+  }
+
+  /** Validate auth config against AgentCard's security requirements. */
+  static validateAuthConfig(
+    authConfig: A2AAuthConfig | undefined,
+    securitySchemes: Record<string, SecurityScheme> | undefined,
+  ): AuthValidationResult {
+    if (!securitySchemes || Object.keys(securitySchemes).length === 0) {
+      return { valid: true };
+    }
+
+    const requiredSchemes = Object.keys(securitySchemes);
+
+    if (!authConfig) {
+      return {
+        valid: false,
+        diff: {
+          requiredSchemes,
+          configuredType: undefined,
+          missingConfig: ['Authentication is required but not configured'],
+        },
+      };
+    }
+
+    const matchResult = A2AAuthProviderFactory.findMatchingScheme(
+      authConfig,
+      securitySchemes,
+    );
+
+    if (matchResult.matched) {
+      return { valid: true };
+    }
+
+    return {
+      valid: false,
+      diff: {
+        requiredSchemes,
+        configuredType: authConfig.type,
+        missingConfig: matchResult.missingConfig,
+      },
+    };
+  }
+
+  // Security schemes have OR semantics per A2A spec - matching any single scheme is sufficient
+  private static findMatchingScheme(
+    authConfig: A2AAuthConfig,
+    securitySchemes: Record<string, SecurityScheme>,
+  ): { matched: boolean; missingConfig: string[] } {
+    const missingConfig: string[] = [];
+
+    for (const [schemeName, scheme] of Object.entries(securitySchemes)) {
+      switch (scheme.type) {
+        case 'apiKey':
+          if (authConfig.type === 'apiKey') {
+            return { matched: true, missingConfig: [] };
+          }
+          missingConfig.push(
+            `Scheme '${schemeName}' requires apiKey authentication`,
+          );
+          break;
+
+        case 'http':
+          if (authConfig.type === 'http') {
+            if (
+              authConfig.scheme.toLowerCase() === scheme.scheme.toLowerCase()
+            ) {
+              return { matched: true, missingConfig: [] };
+            }
+            missingConfig.push(
+              `Scheme '${schemeName}' requires HTTP ${scheme.scheme} authentication, but ${authConfig.scheme} was configured`,
+            );
+          } else if (
+            authConfig.type === 'google-credentials' &&
+            scheme.scheme.toLowerCase() === 'bearer'
+          ) {
+            return { matched: true, missingConfig: [] };
+          } else {
+            missingConfig.push(
+              `Scheme '${schemeName}' requires HTTP ${scheme.scheme} authentication`,
+            );
+          }
+          break;
+
+        case 'oauth2':
+          if (authConfig.type === 'oauth2') {
+            return { matched: true, missingConfig: [] };
+          }
+          missingConfig.push(
+            `Scheme '${schemeName}' requires OAuth 2.0 authentication`,
+          );
+          break;
+
+        case 'openIdConnect':
+          if (authConfig.type === 'openIdConnect') {
+            return { matched: true, missingConfig: [] };
+          }
+          missingConfig.push(
+            `Scheme '${schemeName}' requires OpenID Connect authentication`,
+          );
+          break;
+
+        case 'mutualTLS':
+          missingConfig.push(
+            `Scheme '${schemeName}' requires mTLS authentication (not yet supported)`,
+          );
+          break;
+
+        default: {
+          const _exhaustive: never = scheme;
+          missingConfig.push(
+            `Unknown security scheme type: ${(_exhaustive as SecurityScheme).type}`,
+          );
+        }
+      }
+    }
+
+    return { matched: false, missingConfig };
+  }
+
+  /** Get human-readable description of required auth for error messages. */
+  static describeRequiredAuth(
+    securitySchemes: Record<string, SecurityScheme>,
+  ): string {
+    const descriptions: string[] = [];
+
+    for (const [name, scheme] of Object.entries(securitySchemes)) {
+      switch (scheme.type) {
+        case 'apiKey':
+          descriptions.push(
+            `API Key (${name}): Send ${scheme.name} in ${scheme.in}`,
+          );
+          break;
+        case 'http':
+          descriptions.push(`HTTP ${scheme.scheme} (${name})`);
+          break;
+        case 'oauth2':
+          descriptions.push(`OAuth 2.0 (${name})`);
+          break;
+        case 'openIdConnect':
+          descriptions.push(`OpenID Connect (${name})`);
+          break;
+        case 'mutualTLS':
+          descriptions.push(`Mutual TLS (${name})`);
+          break;
+        default: {
+          const _exhaustive: never = scheme;
+          // This ensures TypeScript errors if a new SecurityScheme type is added
+          descriptions.push(
+            `Unknown (${name}): ${(_exhaustive as SecurityScheme).type}`,
+          );
+        }
+      }
+    }
+
+    return descriptions.join(' OR ');
+  }
+}