diff --git a/ingestion/internal/claudewatcher/scrubber.go b/ingestion/internal/claudewatcher/scrubber.go
index 7344eff..557ba5f 100644
--- a/ingestion/internal/claudewatcher/scrubber.go
+++ b/ingestion/internal/claudewatcher/scrubber.go
@@ -43,6 +43,26 @@ var DefaultRules = []Rule{
 	// JSON, so both segments begin with "eyJ".
 	{Name: "jwt", RE: regexp.MustCompile(`eyJ[A-Za-z0-9_\-]{8,}\.eyJ[A-Za-z0-9_\-]{8,}\.[A-Za-z0-9_\-]{8,}`)},
 	{Name: "postgres-uri-with-password", RE: regexp.MustCompile(`postgres(?:ql)?://[^:\s/]+:[^@\s/]+@`)},
+	// Any credential embedded in a URL's userinfo, which is what a git credential
+	// store holds: `https://<user>:<token>@host`. The postgres rule above is the
+	// same shape narrowed to one scheme, and is kept ahead of this one only so a
+	// DSN reports the more specific name -- same ordering convention as
+	// authorization-header before bearer-token.
+	//
+	// Added after this shape passed ALL rules and was therefore ingested rather
+	// than dropped (hyperguild#142). It reached ~/.claude/projects -- this
+	// watcher's own input -- because a test suite in mathias/infra executed a
+	// script that configures git while inheriting the operator's real $HOME, read
+	// koala's live credential store, and printed it. Two credentials were rotated
+	// (infra#466). The scrubber is the control that decides whether that class of
+	// mistake is survivable, and for this shape it was failing open.
+	//
+	// The {8,} floor on the secret half is what keeps `https://host:443/path` and
+	// `https://user:@host` out; the `[^:\s/@]+` user half stops a host:port pair
+	// being read as userinfo. Both directions are covered by
+	// TestScrub_URLUserinfoCredential, because a rule that dropped every URL with
+	// a colon in it would discard most of the signal this watcher exists to keep.
+	{Name: "url-userinfo-credential", RE: regexp.MustCompile(`[a-zA-Z][a-zA-Z0-9+.\-]*://[^:\s/@]+:[^@\s/]{8,}@`)},
 	{Name: "private-key", RE: regexp.MustCompile(`-----BEGIN[^-]*PRIVATE KEY-----`)},
 	{Name: "ssh-key", RE: regexp.MustCompile(`ssh-(?:rsa|ed25519|ecdsa)\s+[A-Za-z0-9+/=]{40,}`)},
 	{Name: "github-pat", RE: regexp.MustCompile(`\b(?:ghp|gho|ghu|ghr|gha)_[A-Za-z0-9]{30,}\b`)},
diff --git a/ingestion/internal/claudewatcher/scrubber_test.go b/ingestion/internal/claudewatcher/scrubber_test.go
index 15b7e89..11bc2b4 100644
--- a/ingestion/internal/claudewatcher/scrubber_test.go
+++ b/ingestion/internal/claudewatcher/scrubber_test.go
@@ -46,6 +46,64 @@ func TestScrub_PoisonedFixtures(t *testing.T) {
 	}
 }
 
+// A credential embedded in a URL's userinfo is the shape a git credential store
+// holds -- `https://<user>:<token>@host` -- and it walked past every rule until
+// hyperguild#142. There was a rule for `postgres://user:pass@` and nothing for the
+// general form, so `~/.git-credentials` content was ingested rather than dropped.
+//
+// Found the hard way: a test suite in mathias/infra executed a script that
+// configures git while inheriting the operator's real $HOME, read koala's live
+// credential store, and printed two live credentials into a session transcript.
+// ~/.claude/projects is this watcher's own input, so the scrubber was the last
+// line of defence for that mistake and it failed open. Two credentials were
+// rotated (infra#466).
+//
+// The lesson is not "do not read the credential file" -- that mistake will recur.
+// It is that this shape must fail closed, because the scrubber is what decides
+// whether such a mistake is survivable.
+func TestScrub_URLUserinfoCredential(t *testing.T) {
+	// Every secret below is INVENTED. None is or was a real credential.
+	mustScrub := []struct {
+		name    string
+		content string
+	}{
+		{"git-credential-store-user", "https://mathias:0123456789abcdef0123456789abcdef01234567@git.d-ma.be"},
+		{"git-credential-store-oauth2", "https://oauth2:0123456789abcdef0123456789abcdef01234567@git.d-ma.be"},
+		{"in-context-payload-line", `payload line: https://mathias:0123456789abcdef0123456789abcdef01234567@git.d-ma.be`},
+		{"clone-url-in-argv", "git clone https://oauth2:abcdefghijklmnopqrstuvwx@git.d-ma.be/mathias/infra.git"},
+		{"http-not-https", "http://admin:supersecretvalue123@10.0.1.20/api"},
+		{"git-plus-ssh-scheme", "git+ssh://deploy:abcdefghijklmnop@example.com/repo"},
+		{"redis-scheme", "redis://default:abcdefghijklmnopqrst@10.0.1.20:6379/0"},
+	}
+	for _, tc := range mustScrub {
+		t.Run(tc.name, func(t *testing.T) {
+			assert.NotEmpty(t, Scrub(tc.content),
+				"a credential in URL userinfo must be dropped, not ingested")
+		})
+	}
+
+	// The other direction matters as much: a rule that scrubs every URL with a
+	// colon in it would drop most of the signal this watcher exists to keep.
+	mustNotScrub := []struct {
+		name    string
+		content string
+	}{
+		{"host-with-port", "cloning https://git.d-ma.be:443/mathias/infra.git"},
+		{"postgres-no-password", "postgres://localhost:5432/brain"},
+		{"url-with-colon-in-query", "GET https://example.com/path?filter=a:b&x=1"},
+		{"plain-url", "see https://git.d-ma.be/mathias/infra/issues/466"},
+		{"userinfo-no-secret", "https://user:@example.com"},
+		{"format-string-placeholder", `printf 'https://oauth2:%s@%s\n' "$TOKEN" "$HOST"`},
+		{"scheme-relative-time", "duration https://example.com took 00:03:22"},
+	}
+	for _, tc := range mustNotScrub {
+		t.Run(tc.name, func(t *testing.T) {
+			assert.Empty(t, Scrub(tc.content),
+				"this is not a credential and must pass through")
+		})
+	}
+}
+
 func TestScrub_CleanContentPassesThrough(t *testing.T) {
 	cases := []string{
 		"",