diff --git a/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/util/PodScaffolder.java b/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/util/PodScaffolder.java
index e716c31..d2dba1c 100644
--- a/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/util/PodScaffolder.java
+++ b/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/util/PodScaffolder.java
@@ -105,6 +105,47 @@ public class PodScaffolder {
             """.formatted(moduleName, portStr, moduleName.replace("axhub-backend-main-", "").replace("axhub-", ""), portStr);
         Files.writeString(resPath.resolve("application-local.yml"), applicationYml);
 
+        String applicationProperties = """
+            spring.profiles.active=local
+            """;
+        Files.writeString(resPath.resolve("application.properties"), applicationProperties);
+
+        String applicationLocalProperties = """
+            # Local 환경 전용 설정 (H2 메모리 DB 등)
+            spring.datasource.url=jdbc:p6spy:h2:mem:testdb;DB_CLOSE_DELAY=-1;
+            spring.datasource.driverClassName=com.p6spy.engine.spy.P6SpyDriver
+            spring.datasource.username=sa
+            spring.datasource.password=password
+            
+            spring.h2.console.enabled=true
+            # EIMS 동적 라우팅 접속 정보
+            eims.http.url=http://localhost:${server.port}/api/gateway
+            eims.tcp.host=127.0.0.1
+            eims.tcp.port=8090
+            eims.tcp.timeout=5000
+            eims.jsp.form.url=http://localhost:${server.port}/mock/jsp-form
+            eims.jsp.json.url=http://localhost:${server.port}/mock/jsp-json
+            eims.mci.url=http://localhost:${server.port}/api/mock/esb/api
+            eims.mcistring.url=http://localhost:${server.port}/api/mock/esb/string
+            
+            # API 보안 키 설정
+            mcp.security.api-keys.SHINHAN_MCP_SECRET_KEY_2026=mcp-client-1
+            mcp.security.api-keys.SHINHAN_MCP_TEST_KEY_9999=mcp-client-2
+            mcp.security.tenant-domains.mcp-client-1=CUSTOMER,COMMON
+            mcp.security.tenant-domains.mcp-client-2=ALL
+            
+            # Gateway/Tool URLs
+            axhub.gateway.url=http://localhost:8081
+            axhub.tool.url=http://localhost:${server.port}
+            
+            # Disable Kafka
+            spring.autoconfigure.exclude=org.springframework.boot.autoconfigure.kafka.KafkaAutoConfiguration
+            
+            # Suppress Kafka Connection Logs
+            logging.level.org.apache.kafka=ERROR
+            """;
+        Files.writeString(resPath.resolve("application-local.properties"), applicationLocalProperties);
+
         System.out.println("[5/6] settings.gradle 에 모듈 등록 중...");
         Path settingsPath = Paths.get("settings.gradle");
         if (Files.exists(settingsPath)) {
diff --git a/axhub-tool-payment/src/main/resources/application-local.properties b/axhub-tool-payment/src/main/resources/application-local.properties
new file mode 100644
index 0000000..54d056d
--- /dev/null
+++ b/axhub-tool-payment/src/main/resources/application-local.properties
@@ -0,0 +1,32 @@
+# Local 환경 전용 설정 (H2 메모리 DB 등)
+spring.datasource.url=jdbc:p6spy:h2:mem:testdb;DB_CLOSE_DELAY=-1;
+spring.datasource.driverClassName=com.p6spy.engine.spy.P6SpyDriver
+spring.datasource.username=sa
+spring.datasource.password=password
+
+spring.h2.console.enabled=true
+# EIMS 동적 라우팅 접속 정보
+eims.http.url=http://localhost:${server.port}/api/gateway
+eims.tcp.host=127.0.0.1
+eims.tcp.port=8090
+eims.tcp.timeout=5000
+eims.jsp.form.url=http://localhost:${server.port}/mock/jsp-form
+eims.jsp.json.url=http://localhost:${server.port}/mock/jsp-json
+eims.mci.url=http://localhost:${server.port}/api/mock/esb/api
+eims.mcistring.url=http://localhost:${server.port}/api/mock/esb/string
+
+# API 보안 키 설정
+mcp.security.api-keys.SHINHAN_MCP_SECRET_KEY_2026=mcp-client-1
+mcp.security.api-keys.SHINHAN_MCP_TEST_KEY_9999=mcp-client-2
+mcp.security.tenant-domains.mcp-client-1=CUSTOMER,COMMON
+mcp.security.tenant-domains.mcp-client-2=ALL
+
+# Gateway/Tool URLs
+axhub.gateway.url=http://localhost:8081
+axhub.tool.url=http://localhost:${server.port}
+
+# Disable Kafka
+spring.autoconfigure.exclude=org.springframework.boot.autoconfigure.kafka.KafkaAutoConfiguration
+
+# Suppress Kafka Connection Logs
+logging.level.org.apache.kafka=ERROR
diff --git a/axhub-tool-payment/src/main/resources/application.properties b/axhub-tool-payment/src/main/resources/application.properties
new file mode 100644
index 0000000..0430deb
--- /dev/null
+++ b/axhub-tool-payment/src/main/resources/application.properties
@@ -0,0 +1,10 @@
+server.port=8084
+spring.application.name=axhub-tool-other
+
+spring.profiles.active=local
+
+# Suppress Kafka Connection Logs
+logging.level.org.apache.kafka=ERROR
+
+# Auto Prefix Namespace
+mcp.namespace=other
diff --git a/axhub-tool-payment/src/main/resources/logback-spring.xml b/axhub-tool-payment/src/main/resources/logback-spring.xml
new file mode 100644
index 0000000..adb8bca
--- /dev/null
+++ b/axhub-tool-payment/src/main/resources/logback-spring.xml
@@ -0,0 +1,36 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<configuration>
+
+    <!-- 1. 로그 패턴 설정 (MDC traceId 포함) -->
+    <property name="LOG_PATTERN" value="%d{yyyy-MM-dd HH:mm:ss.SSS} [%thread] [%X{traceId}] %-5level %logger{36} - %msg%n" />
+
+    <!-- 2. 콘솔(Console) 출력 설정 (로컬 개발용) -->
+    <appender name="CONSOLE" class="ch.qos.logback.core.ConsoleAppender">
+        <encoder>
+            <pattern>${LOG_PATTERN}</pattern>
+        </encoder>
+    </appender>
+
+    <!-- 3. 파일(File) 출력 설정 (서버 운영용) -->
+    <appender name="FILE" class="ch.qos.logback.core.rolling.RollingFileAppender">
+        <file>logs/axhub-tool-other.log</file> <!-- 현재 로그가 쌓이는 파일 -->
+        <rollingPolicy class="ch.qos.logback.core.rolling.TimeBasedRollingPolicy">
+            <!-- 매일 자정에 날짜를 붙여서 지난 로그를 분리 저장 -->
+            <fileNamePattern>logs/axhub-tool-other-%d{yyyy-MM-dd}.log</fileNamePattern>
+            <!-- 최대 30일치 로그만 보관하고 오래된 것은 자동 삭제 -->
+            <maxHistory>30</maxHistory>
+        </rollingPolicy>
+        <encoder>
+            <pattern>${LOG_PATTERN}</pattern>
+        </encoder>
+    </appender>
+
+    <!-- 4. 기본 로깅 레벨 설정 -->
+    <root level="INFO">
+        <appender-ref ref="CONSOLE" />
+        <appender-ref ref="FILE" />
+    </root>
+
+    <!-- 5. 우리 프로젝트 패키지는 디버그 레벨까지 상세히 보기 -->
+    <logger name="io.shinhanlife" level="DEBUG" />
+</configuration>