diff --git a/CHANGELOG.md b/CHANGELOG.md
index 945e76db2..b82f404c5 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -1,5 +1,10 @@
 # Changelog
 
+## [1.94.1.0] - 2026-11-03
+
+### Fixed
+- **The secrets check no longer reads a file name or dict key inside a call as a credential (GST-1064).** `key = json.loads(files.get("key.json", ""))` failed pregate with `PREGATE_SECRETS` (`env.kv`): eight distinct letters in `"key.json"` reach the entropy bar, so the call's argument looked like a secret. So did `token = resp.json().get("access_token")`. The first argument of a lookup call (`get`, `getenv`, `read`, `load`, `loads`, `open`, `pop`, `fetch`) that is a lowercase file name or a snake_case key of two or three words now counts as a name. Any other call still reports a password-shaped literal (`make_password("orange_monkey_pass")`, `bcrypt.hashpw(...)`), and so do a later argument or fallback (`os.getenv("SECRET_KEY", "orange_monkey_pass")`), a real key in quotes or in a `.env` line, and a kebab passphrase (`decrypt("prod-signing-key")`). The entropy bar is unchanged.
+
 ## [1.94.0.0] - 2026-11-03
 
 - CI is now the one full test run. When a verified CI run already passed at the exact, clean tree, `gstack-pregate`'s tests stage and /ship's test lanes use it instead of running the suite again (GSTA-258, R65 item 1). The tests stage looks up the newest verified run at HEAD under the base branch's `run_profiles` by itself (`CI_CARRY: accepted …`; `--no-ci-carry` turns it off). A /ship lane carries only when the base branch's `.gstack/pregate.json` maps its exact command in the new `ship_lanes_from` key, and only when the run's `tree.json` covers the lane's inventory; gstack maps `bun run test` to its Free Tests run. A carried lane prints `LANE: <label> carried run=<id>/<attempt>` and is recorded as an explicit CI-sourced evidence row (`gstack-evidence record-ci`), never as a local run. Dirty trees, fork runs, stale runs and a newer red or running run never carry.
diff --git a/VERSION b/VERSION
index 9bf5c061a..39bbd02ef 100644
--- a/VERSION
+++ b/VERSION
@@ -1 +1 @@
-1.94.0.0
+1.94.1.0
diff --git a/agents-digest/gstack-AGENTS.md b/agents-digest/gstack-AGENTS.md
index e4aa5db20..43ae74b32 100644
--- a/agents-digest/gstack-AGENTS.md
+++ b/agents-digest/gstack-AGENTS.md
@@ -1,4 +1,4 @@
-# gstack digest v1.94.0.0 — regenerate/re-copy after upgrading gstack
+# gstack digest v1.94.1.0 — regenerate/re-copy after upgrading gstack
 
 Behavioral rules from gstack (https://github.com/garrytan/gstack), compressed
 for agent hosts without a full skill install. The full skills add workflows,
diff --git a/docs/pregate.md b/docs/pregate.md
index aaaa17e2e..2a5ca0943 100644
--- a/docs/pregate.md
+++ b/docs/pregate.md
@@ -1137,6 +1137,13 @@ those, each with its scope and its reason:
   end the outer string (GST-738). The pre-push hook sees only added lines,
   so it scans Python and Dart lines without this exemption and may still warn
   (MEDIUM, non-blocking) on them.
+- The first argument of a lookup call (`get`, `getenv`, `read`, `load`,
+  `loads`, `open`, `pop`, `fetch`) that is a lowercase file name
+  (`files.get("key.json")`) or a snake_case key of two or three words
+  (`resp.json().get("access_token")`) is a name, not a credential (GST-1064).
+  Any other call's literal (`make_password("orange_monkey_pass")`), a later
+  argument or fallback (`os.getenv("SECRET_KEY", "orange_monkey_pass")`) and a
+  kebab passphrase still report.
 
 The `secrets` row says `N allowlisted (<ids>)` and lists each allowlisted
 finding with the entry (`allowlisted env.kv (evals/receipts/t1.json, added line
diff --git a/lib/redact-patterns.ts b/lib/redact-patterns.ts
index 1d7ef39b9..5bac73526 100644
--- a/lib/redact-patterns.ts
+++ b/lib/redact-patterns.ts
@@ -661,13 +661,27 @@ const SCHEMA_FIELD_VALUE = /^[a-z][a-z0-9]*(?:[_.-][a-z][a-z0-9]*)+$/;
 function isSchemaFieldIdentifier(span: string, match: RegExpExecArray): boolean {
   return SCHEMA_FIELD_NAME.test(match[0]) && SCHEMA_FIELD_VALUE.test(span);
 }
+/**
+ * GST-1064: the first argument of a lookup call (`get`, `getenv`, `read`,
+ * `load`, `loads`, `open`, `pop`, `fetch`) that is a lowercase file name
+ * (`files.get("key.json")`) or a snake_case key of two or three words
+ * (`resp.json().get("access_token")`) names what the call reads. Eight distinct
+ * letters already reach 3.0 bits, so entropy alone cannot tell it from a
+ * secret. Any other callee (`make_password("orange_monkey_pass")`), a grouping
+ * paren, a later argument or a fallback (`os.getenv("X", "orange_monkey_pass")`)
+ * is a value and is still checked, and so is a first argument with a digit, an
+ * uppercase letter, kebab words or four or more snake_case words.
+ */
+const LOOKUP_ARGUMENT =
+  /(?<![\w$])(get|getenv|read|load|loads|open|pop|fetch)\([ \t]*(["'])(?:[a-z]+(?:_[a-z]+){1,2}|[a-z]+(?:[_-][a-z]+)*\.(?:json|ya?ml|toml|ini|cfg|conf|env|pem|crt|cer|key|txt|csv|xml|cookie))\2/g;
 function isCallExpression(span: string, match: RegExpExecArray): boolean {
   if (!CALL_SHAPED_VALUE.test(span)) return false;
   const { start } = spanBounds(match);
   if (match.input[start - 1] === '"' || match.input[start - 1] === "'") return false;
   const call = match.input.slice(start + span.indexOf("(")).split("\n", 1)[0];
   if (!call.includes(")") && call.trim() !== "(") return false;
-  return !carriesSecretLiteral(call);
+  const line = match.input.slice(start).split("\n", 1)[0];
+  return !carriesSecretLiteral(line.replace(LOOKUP_ARGUMENT, "$1("));
 }
 
 /**
diff --git a/package.json b/package.json
index 16aa3efac..fe23e332c 100644
--- a/package.json
+++ b/package.json
@@ -1,6 +1,6 @@
 {
   "name": "gstack",
-  "version": "1.94.0",
+  "version": "1.94.1",
   "description": "Garry's Stack — Claude Code skills + fast headless browser. One repo, one install, entire AI engineering workflow.",
   "license": "MIT",
   "type": "module",
diff --git a/test/pregate-secrets-source-context.test.ts b/test/pregate-secrets-source-context.test.ts
index 27777514c..6db4f99c9 100644
--- a/test/pregate-secrets-source-context.test.ts
+++ b/test/pregate-secrets-source-context.test.ts
@@ -54,6 +54,15 @@ describe('pregate secrets: source context and diff integrity', () => {
     expect([...parseAddedLines(diff)]).toEqual([['a.ts', ['one', '++two']], ['b.env', ['three']]]);
   });
 
+  test('a Python call that reads key.json is code; the same key name holding a literal key still fails (GST-1064)', () => {
+    expect(repo({ 'attach.py': 'import json\nkey = json.loads(files.get("key.json", ""))\n' }).secrets().status).toBe('pass');
+    const fake = 'Zx9Q' + 'w8Er7Ty6Ui5Op4As3Df2';
+    const r = repo({ 'attach.py': `key = json.loads(files.get("key.json")) or "${fake}"\n`, '.env': `KEY=${fake}\n` }).secrets();
+    expect(r.status).toBe('fail');
+    expect(r.lines.join('\n')).toContain('attach.py');
+    expect(r.lines.join('\n')).toContain('.env');
+  });
+
   test('a TS object property that reads a credential at runtime is code, not a secret (#3211)', () => {
     const f = repo({ 'app.ts': 'const cfg = {\n  token: credentials.token,\n  apiKey: settings.apiKey,\n};\n' });
     expect(f.secrets().status).toBe('pass');
diff --git a/test/redact-context-exemptions.test.ts b/test/redact-context-exemptions.test.ts
index 39dd75a6c..a5134b7f3 100644
--- a/test/redact-context-exemptions.test.ts
+++ b/test/redact-context-exemptions.test.ts
@@ -106,6 +106,53 @@ describe("env.kv: a function call assigned to a credential name is code (#2899)"
   );
 });
 
+describe("env.kv: a name-shaped literal inside a call is a file or dict key, not a secret (GST-1064)", () => {
+  const FAKE_KEY = "Zx9Qw8Er7Ty6Ui5Op4As3Df2";
+  const FAKE_STRIPE_TAIL = "4eC39HqLyjWDarjtT1zdp7dc";
+  table(
+    "env.kv",
+    "MEDIUM",
+    [
+      String.raw`key = json.loads(files.get("key.json", ""))`,
+      String.raw`token = resp.json().get("access_token")`,
+      String.raw`    session = store.load('session.cookie')`,
+      String.raw`secret = vault.read("client_secret")`,
+    ],
+    [
+      String.raw`key = "${FAKE_KEY}"`,
+      String.raw`KEY=${FAKE_KEY}`,
+      String.raw`key = json.loads("sk_live_${FAKE_STRIPE_TAIL}")`,
+      String.raw`token = resp.json().get("access_token", "${FAKE_KEY}")`,
+      String.raw`password = os.getenv("DB_PASSWORD", "hunter2.Zx9Qw8")`,
+      String.raw`key = json.loads(files.get("key.json")) or "${FAKE_KEY}"`,
+      String.raw`password = os.getenv("DB_PASSWORD", "correct-horse-battery-staple")`,
+      String.raw`api_key = decrypt("prod-signing-key")`,
+      String.raw`token = decrypt("correct_horse_battery_staple")`,
+      String.raw`key = decrypt("qwhzxkvbnmplor")`,
+      String.raw`SECRET_KEY = os.getenv("SECRET_KEY", "orange_monkey_pass")`,
+      String.raw`password = os.environ.get("DB_PASSWORD", "purple_walrus")`,
+      String.raw`token = resp.json().get("access_token", "orange_monkey_pass")`,
+      String.raw`key = derive_secret("tigers.horse")`,
+      String.raw`password = os.getenv("DB_PASSWORD", "qwhzxkvbnmplor.txt")`,
+      String.raw`password = make_password("orange_monkey_pass")`,
+      String.raw`password = bcrypt.hashpw("orange_monkey_pass", salt)`,
+      String.raw`token = jwt.encode("purple_walrus_pie", payload)`,
+      String.raw`api_key = settings.Secret("correct_horse_battery")`,
+      String.raw`password = hash_password("purple_walrus")`,
+      String.raw`password=hash_password("purple_walrus")`,
+      String.raw`+password = hash_password( "purple_walrus" )`,
+      String.raw`password = hash_password("purple_walrus").encode()`,
+      String.raw`password = hash_password("purple_walrus")  # seed user`,
+      String.raw`password = config.get("db_password") or ("orange_monkey_pass")`,
+      String.raw`password = config.get("db_password", ("orange_monkey_pass"))`,
+      String.raw`password = login(user, ("purple_walrus"))`,
+      String.raw`password = load_cfg("app.yaml"); login("purple_walrus")`,
+      String.raw`password = login(user, str("purple_walrus"))`,
+      String.raw`password = encrypt(str("orange_monkey_pass"))`,
+    ],
+  );
+});
+
 describe("internal.hostname: per-machine config filenames are not hosts (#2962, #2740)", () => {
   table(
     "internal.hostname",