diff --git a/axhub-gateway/src/main/java/io/shinhanlife/axhub/biz/mcp/gateway/config/GatewayFallbackProperties.java b/axhub-gateway/src/main/java/io/shinhanlife/axhub/biz/mcp/gateway/config/GatewayFallbackProperties.java
new file mode 100644
index 0000000..5092e68
--- /dev/null
+++ b/axhub-gateway/src/main/java/io/shinhanlife/axhub/biz/mcp/gateway/config/GatewayFallbackProperties.java
@@ -0,0 +1,16 @@
+package io.shinhanlife.axhub.biz.mcp.gateway.config;
+
+import lombok.Data;
+import org.springframework.boot.context.properties.ConfigurationProperties;
+import org.springframework.context.annotation.Configuration;
+
+import java.util.HashMap;
+import java.util.Map;
+
+@Data
+@Configuration
+@ConfigurationProperties(prefix = "mcp.gateway.fallback")
+public class GatewayFallbackProperties {
+    private Map<String, String> routes = new HashMap<>();
+    private String defaultUrl;
+}
diff --git a/axhub-gateway/src/main/java/io/shinhanlife/axhub/biz/mcp/gateway/service/ToolPlanner.java b/axhub-gateway/src/main/java/io/shinhanlife/axhub/biz/mcp/gateway/service/ToolPlanner.java
index 6d12e6b..f5cba6b 100644
--- a/axhub-gateway/src/main/java/io/shinhanlife/axhub/biz/mcp/gateway/service/ToolPlanner.java
+++ b/axhub-gateway/src/main/java/io/shinhanlife/axhub/biz/mcp/gateway/service/ToolPlanner.java
@@ -3,6 +3,7 @@ package io.shinhanlife.axhub.biz.mcp.gateway.service;
 import io.shinhanlife.axhub.common.mcp.security.SecurityProperties;
 import io.shinhanlife.axhub.biz.mcp.gateway.registry.RedisRegistryService;
 import io.shinhanlife.axhub.biz.mcp.gateway.dto.ToolMetadata;
+import io.shinhanlife.axhub.biz.mcp.gateway.config.GatewayFallbackProperties;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.stereotype.Component;
@@ -17,6 +18,7 @@ public class ToolPlanner {
 
     private final RedisRegistryService redisRegistryService;
     private final SecurityProperties securityProperties;
+    private final GatewayFallbackProperties fallbackProperties;
 
     /**
      * 요청(payload)을 분석하여 실행해야 할 Tool의 계획을 생성합니다.
@@ -37,8 +39,30 @@ public class ToolPlanner {
         var toolMetadata = redisRegistryService.getTool(toolName);
 
         if (toolMetadata == null) {
-            log.warn(" [Planner] 등록되지 않은 툴 요청: {}", toolName);
-            throw new RuntimeException("해당 툴(" + toolName + ")이 레지스트리에 존재하지 않습니다.");
+            log.warn(" [Planner] 등록되지 않은 툴 요청: {}. Fallback 라우팅 규칙을 확인합니다.", toolName);
+
+            String fallbackPodUrl = fallbackProperties.getDefaultUrl();
+            if (fallbackProperties.getRoutes() != null) {
+                for (Map.Entry<String, String> entry : fallbackProperties.getRoutes().entrySet()) {
+                    if (toolName.contains(entry.getKey())) {
+                        fallbackPodUrl = entry.getValue();
+                        break;
+                    }
+                }
+            }
+
+            if (fallbackPodUrl == null || fallbackPodUrl.isEmpty()) {
+                log.error(" [Planner] Fallback 라우팅 대상이 아닙니다. 툴: {}", toolName);
+                throw new RuntimeException("해당 툴(" + toolName + ")이 레지스트리에 존재하지 않습니다.");
+            }
+
+            log.info(" [Planner] Fallback 라우팅 매칭됨: {} -> {}", toolName, fallbackPodUrl);
+
+            toolMetadata = ToolMetadata.builder()
+                .toolName(toolName)
+                .integrationType("DIRECT")
+                .podUrl(fallbackPodUrl)
+                .build();
         }
 
         // 2-1. [신규] 도메인 그룹핑 기반 권한 검증
diff --git a/axhub-gateway/src/main/resources/application.properties b/axhub-gateway/src/main/resources/application.properties
index 64a97a5..54c2f34 100644
--- a/axhub-gateway/src/main/resources/application.properties
+++ b/axhub-gateway/src/main/resources/application.properties
@@ -1,4 +1,11 @@
 spring.application.name=axhub-admin
+spring.main.web-application-type=reactive
+
+# Gateway Fallback Routing (For unregistered tools)
+mcp.gateway.fallback.routes.email=http://tool-email:8083
+mcp.gateway.fallback.routes.sms=http://tool-sms:8082
+mcp.gateway.fallback.default-url=http://tool-other:8084
+
 server.port=8081
 server.http2.enabled=true
 
diff --git a/axhub-tool-other/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/service/TemplateUtilityService.java b/axhub-tool-other/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/service/TemplateUtilityService.java
index 08bdb62..d20bea5 100644
--- a/axhub-tool-other/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/service/TemplateUtilityService.java
+++ b/axhub-tool-other/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/service/TemplateUtilityService.java
@@ -17,7 +17,7 @@ public class TemplateUtilityService extends AbstractMcpToolService {
         name = "get_template_file_url",
         description = "특정 템플릿의 양식 파일(엑셀, 워드 등)을 다운로드 받을 수 있는 시스템 URL을 반환합니다. AI는 이 URL을 사용자에게 마크다운 링크 형태로 제공해야 합니다.",
         prompt = "요청하신 템플릿 양식 파일 다운로드 URL은 다음과 같습니다. 클릭하여 다운로드하세요:",
-        visible = false
+        register = false
     )
     public Map<String, Object> getTemplateFileUrl(TemplateDownloadReq data) {
         try {