diff --git a/src/agent/identity.rs b/src/agent/identity.rs
index ec8c1ad..723c975 100644
--- a/src/agent/identity.rs
+++ b/src/agent/identity.rs
@@ -103,7 +103,7 @@ fn load_memory_files(cwd: &Path, memory_project: Option<&Path>, context_groups:
             }
             ContextSource::File => {
                 for key in &group.keys {
-                    let filename = format!("{}.md", key);
+                    let filename = if key.ends_with(".md") { key.clone() } else { format!("{}.md", key) };
                     if let Some(content) = read_nonempty(&config_dir.join(&filename)) {
                         memories.push((key.clone(), content));
                     } else if let Some(content) = load_memory_file(&filename, project.as_deref(), &global) {