diff --git a/packages/opencode/src/agent/subagent-permissions.ts b/packages/opencode/src/agent/subagent-permissions.ts
index 051f42e37bb3..228711eb19cc 100644
--- a/packages/opencode/src/agent/subagent-permissions.ts
+++ b/packages/opencode/src/agent/subagent-permissions.ts
@@ -6,12 +6,16 @@ import type { Agent } from "./agent"
  * via the task tool. Combines:
  *
  * 1. The parent **agent's** edit-class deny rules — Plan Mode's file-edit
- *    restriction lives on the agent ruleset, not on the session, so a
+ *    restriction lives on the agent ruleset, not the session, so a
  *    subagent that only inherited the parent SESSION's permission would
  *    silently bypass it. (#26514)
  * 2. The parent **session's** deny rules and external_directory rules —
  *    same forwarding the original code already did.
- * 3. Default `todowrite` and `task` denies if the subagent's own ruleset
+ * 3. The parent **session's** allow rules for MCP tools — subagents need
+ *    explicit allow permissions to execute MCP tools (context7_resolve-library-id,
+ *    matrix_matrix_read, etc.). Without this, subagents can see MCP tools in
+ *    their tool list but get permission denied on execution. (#16491, #3808)
+ * 4. Default `todowrite` and `task` denies if the subagent's own ruleset
  *    doesn't already permit them.
  */
 export function deriveSubagentSessionPermission(input: {
@@ -23,12 +27,16 @@ export function deriveSubagentSessionPermission(input: {
   const canTodo = input.subagent.permission.some((rule) => rule.permission === "todowrite")
   const parentAgentDenies =
     input.parentAgent?.permission.filter((rule) => rule.action === "deny" && rule.permission === "edit") ?? []
+  const parentSessionMcpAllows = input.parentSessionPermission.filter(
+    (rule) => rule.action === "allow" && (rule.permission.includes("_") || rule.permission === "*"),
+  )
   return [
     ...parentAgentDenies,
     ...input.parentSessionPermission.filter(
       (rule) => rule.permission === "external_directory" || rule.action === "deny",
     ),
+    ...parentSessionMcpAllows,
     ...(canTodo ? [] : [{ permission: "todowrite" as const, pattern: "*" as const, action: "deny" as const }]),
     ...(canTask ? [] : [{ permission: "task" as const, pattern: "*" as const, action: "deny" as const }]),
   ]
-}
+}
\ No newline at end of file
diff --git a/packages/opencode/test/agent/plan-mode-subagent-bypass.test.ts b/packages/opencode/test/agent/plan-mode-subagent-bypass.test.ts
index 07fb9a64d596..ebc309d9a8d5 100644
--- a/packages/opencode/test/agent/plan-mode-subagent-bypass.test.ts
+++ b/packages/opencode/test/agent/plan-mode-subagent-bypass.test.ts
@@ -210,3 +210,108 @@ it.effect("subagent inherits parent session deny rules as hard runtime ceilings"
     expect(Permission.evaluate("bash", "git status", effective).action).toBe("deny")
   }),
 )
+
+it.effect("[#16491] subagent inherits parent session MCP tool allow rules", () =>
+  Effect.sync(() => {
+    const executor = testAgent({
+      name: "executor",
+      mode: "subagent",
+      permission: {
+        read: "allow",
+      },
+    })
+
+    // Simulate a parent session that has allowed MCP tools.
+    // MCP tool permission keys use an underscore pattern:
+    // sanitize(clientName) + '_' + sanitize(toolName)
+    const parentWithMcpAllows: Permission.Ruleset = Permission.fromConfig({
+      "myserver_tool-one": "allow",
+      "myserver_tool-two": "allow",
+      "otherclient_resource-list": "allow",
+      bash: "allow",
+      read: "allow",
+    })
+
+    const subagentSessionPermission = deriveSubagentSessionPermission({
+      parentSessionPermission: parentWithMcpAllows,
+      parentAgent: undefined,
+      subagent: executor,
+    })
+
+    const effective = Permission.merge(executor.permission, subagentSessionPermission)
+
+    // MCP tools (with underscores) should be allowed in the subagent
+    expect(Permission.evaluate("myserver_tool-one", "*", effective).action).toBe("allow")
+    expect(Permission.evaluate("myserver_tool-two", "*", effective).action).toBe("allow")
+    expect(Permission.evaluate("otherclient_resource-list", "*", effective).action).toBe("allow")
+
+    // Native tools (no underscore) should NOT be inherited through the
+    // MCP allow filter. The subagent itself only allowed "read", so
+    // bash resolves to "ask" (the default) — not "deny" and not "allow".
+    // The parent session's bash:allow doesn't leak through because
+    // "bash" has no underscore in its permission key.
+    expect(Permission.evaluate("bash", "ls", effective).action).toBe("ask")
+  }),
+)
+
+it.effect("[#16491] wildcard allow in parent session is inherited by subagent", () =>
+  Effect.sync(() => {
+    const executor = testAgent({
+      name: "executor",
+      mode: "subagent",
+      permission: {
+        read: "allow",
+      },
+    })
+
+    // Parent session with wildcard allow (user accepted all tools)
+    const parentWithWildcard: Permission.Ruleset = Permission.fromConfig({
+      "*": "allow",
+    })
+
+    const subagentSessionPermission = deriveSubagentSessionPermission({
+      parentSessionPermission: parentWithWildcard,
+      parentAgent: undefined,
+      subagent: executor,
+    })
+
+    const effective = Permission.merge(executor.permission, subagentSessionPermission)
+
+    // Wildcard allow should be inherited
+    expect(Permission.evaluate("context7_resolve-library-id", "*", effective).action).toBe("allow")
+    expect(Permission.evaluate("matrix_matrix_read", "*", effective).action).toBe("allow")
+  }),
+)
+
+it.effect("[#16491] native tool deny rules still propagate and are not overridden by MCP allow rules", () =>
+  Effect.sync(() => {
+    const executor = testAgent({
+      name: "executor",
+      mode: "subagent",
+      permission: {
+        read: "allow",
+      },
+    })
+
+    // Parent session: MCP tools allowed, but edit denied (e.g. read-only session)
+    const parentSession: Permission.Ruleset = Permission.fromConfig({
+      "context7_resolve-library-id": "allow",
+      "matrix_matrix_read": "allow",
+      edit: { "*": "deny" },
+      read: "allow",
+    })
+
+    const subagentSessionPermission = deriveSubagentSessionPermission({
+      parentSessionPermission: parentSession,
+      parentAgent: undefined,
+      subagent: executor,
+    })
+
+    const effective = Permission.merge(executor.permission, subagentSessionPermission)
+
+    // MCP tools allowed
+    expect(Permission.evaluate("context7_resolve-library-id", "*", effective).action).toBe("allow")
+    // Edit still denied from parent session
+    expect(Permission.evaluate("edit", "/some/file.ts", effective).action).toBe("deny")
+  }),
+)