diff --git a/PRE_RELEASE_CHANGELOG.md b/PRE_RELEASE_CHANGELOG.md
index 755af7ae..1fcc16b4 100644
--- a/PRE_RELEASE_CHANGELOG.md
+++ b/PRE_RELEASE_CHANGELOG.md
@@ -10,6 +10,7 @@
 
 - **AxiosHeaders:** Silently skip empty response header names emitted by some React Native Android responses instead of throwing. (**#6959**, **#10875**)
 - **Config Security:** Ignore inherited `params` and `paramsSerializer` values when resolving request config, preventing prototype-pollution gadgets from changing serialized URLs. (**#10922**)
+- **Fetch Adapter - Auth:** Support HTTP Basic credentials embedded in request URLs, including UTF-8 credentials, while stripping credentials before constructing the fetch `Request` and preserving `config.auth` precedence. (**#10896**)
 - **Types:** Add the missing readonly `name: 'CanceledError'` declaration to CommonJS `CanceledError` typings to match the ESM declarations. (**#10922**)
 - **Types:** Correct the CommonJS `isCancel` type guard to narrow cancellation errors to `CanceledError<T>`, matching the ESM declaration. (**#10952**)
 - **HTTP Adapter - Auth on Redirect:** HTTP Basic credentials supplied via `config.auth` are now restored on same-origin redirects, fixing a regression caused by `follow-redirects` >= 1.15.8 that broke `POST` requests answered with a 303 Location. Cross-origin redirects continue to drop credentials, preserving the existing T-R2 mitigation in `THREATMODEL.md`. (**#6929**)
@@ -23,3 +24,4 @@
 - Update `README.md` request config docs for `transitional.advertiseZstdAcceptEncoding` and zstd decompression support.
 - Update `docs/pages/advanced/request-config.md` for `transitional.advertiseZstdAcceptEncoding` and zstd decompression support.
 - Update decompression-bomb security guidance in `README.md` and `docs/pages/misc/security.md` to mention zstd.
+- Update `README.md` and `docs/pages/advanced/request-config.md` to document URL-embedded Basic auth fallback and `config.auth` precedence across adapters.
diff --git a/lib/adapters/fetch.js b/lib/adapters/fetch.js
index b9015a9b..e25bbfcf 100644
--- a/lib/adapters/fetch.js
+++ b/lib/adapters/fetch.js
@@ -19,6 +19,35 @@ const DEFAULT_CHUNK_SIZE = 64 * 1024;
 
 const { isFunction } = utils;
 
+/**
+ * Encode a UTF-8 string to a Latin-1 byte string for use with btoa().
+ * This is a modern replacement for the deprecated unescape(encodeURIComponent(str)) pattern.
+ *
+ * @param {string} str The string to encode
+ *
+ * @returns {string} UTF-8 bytes as a Latin-1 string
+ */
+const encodeUTF8 = (str) =>
+  encodeURIComponent(str).replace(/%([0-9A-F]{2})/gi, (_, hex) =>
+    String.fromCharCode(parseInt(hex, 16))
+  );
+
+// Node's WHATWG URL parser returns `username` and `password` percent-encoded.
+// Decode before composing the `auth` option so credentials such as
+// `my%40email.com:pass` are sent as `my@email.com:pass`. Falls back to the
+// original value for malformed input so a bad encoding never throws.
+const decodeURIComponentSafe = (value) => {
+  if (!utils.isString(value)) {
+    return value;
+  }
+
+  try {
+    return decodeURIComponent(value);
+  } catch (error) {
+    return value;
+  }
+};
+
 const test = (fn, ...args) => {
   try {
     return !!fn(...args);
@@ -27,6 +56,15 @@ const test = (fn, ...args) => {
   }
 };
 
+const maybeWithAuthCredentials = (url) => {
+  const protocolIndex = url.indexOf('://');
+  let urlToCheck = url;
+  if (protocolIndex !== -1) {
+    urlToCheck = urlToCheck.slice(protocolIndex + 3);
+  }
+  return urlToCheck.includes('@') || urlToCheck.includes(':');
+};
+
 const factory = (env) => {
   const globalObject =
     utils.global !== undefined && utils.global !== null
@@ -174,6 +212,7 @@ const factory = (env) => {
 
     const hasMaxContentLength = utils.isNumber(maxContentLength) && maxContentLength > -1;
     const hasMaxBodyLength = utils.isNumber(maxBodyLength) && maxBodyLength > -1;
+    const own = (key) => (utils.hasOwnProp(config, key) ? config[key] : undefined);
 
     let _fetch = envFetch || fetch;
 
@@ -196,6 +235,46 @@ const factory = (env) => {
     let requestContentLength;
 
     try {
+      // HTTP basic authentication
+      let auth = undefined;
+      const configAuth = own('auth');
+
+      if (configAuth) {
+        const username = configAuth.username || '';
+        const password = configAuth.password || '';
+        auth = {
+          username,
+          password
+        };
+      }
+
+      if (maybeWithAuthCredentials(url)) {
+        const parsedURL = new URL(url, platform.origin);
+
+        if (!auth && (parsedURL.username || parsedURL.password)) {
+          const urlUsername = decodeURIComponentSafe(parsedURL.username);
+          const urlPassword = decodeURIComponentSafe(parsedURL.password);
+          auth = {
+            username: urlUsername,
+            password: urlPassword
+          };
+        }
+
+        if (parsedURL.username || parsedURL.password) {
+          parsedURL.username = '';
+          parsedURL.password = '';
+          url = parsedURL.href;
+        }
+      }
+
+      if (auth) {
+        headers.delete('authorization');
+        headers.set(
+          'Authorization',
+          'Basic ' + btoa(encodeUTF8((auth.username || '') + ':' + (auth.password || '')))
+        );
+      }
+
       // Enforce maxContentLength for data: URLs up-front so we never materialize
       // an oversized payload. The HTTP adapter applies the same check (see http.js
       // "if (protocol === 'data:')" branch).
diff --git a/lib/adapters/http.js b/lib/adapters/http.js
index f37ba974..8f4a19ea 100755
--- a/lib/adapters/http.js
+++ b/lib/adapters/http.js
@@ -752,7 +752,7 @@ export default isHttpAdapterSupported &&
         auth = username + ':' + password;
       }
 
-      if (!auth && parsed.username) {
+      if (!auth && (parsed.username || parsed.password)) {
         const urlUsername = decodeURIComponentSafe(parsed.username);
         const urlPassword = decodeURIComponentSafe(parsed.password);
         auth = urlUsername + ':' + urlPassword;
diff --git a/tests/unit/adapters/fetch.test.js b/tests/unit/adapters/fetch.test.js
index 0afdd6a3..142d24d2 100644
--- a/tests/unit/adapters/fetch.test.js
+++ b/tests/unit/adapters/fetch.test.js
@@ -465,7 +465,7 @@ describe.runIf(typeof fetch === 'function')('supports fetch with nodejs', () =>
     try {
       const user = 'foo';
       const headers = { Authorization: 'Bearer 1234' };
-      const res = await axios.get(`http://${user}@localhost:${server.address().port}/`, {
+      const res = await fetchAxios.get(`http://${user}@localhost:${server.address().port}/`, {
         headers,
       });
 
@@ -476,6 +476,121 @@ describe.runIf(typeof fetch === 'function')('supports fetch with nodejs', () =>
     }
   });
 
+  it('should decode basic auth credentials from the request URL', async () => {
+    const server = await startHTTPServer(
+      (req, res) => {
+        res.end(req.headers.authorization);
+      },
+      { port: SERVER_PORT }
+    );
+
+    try {
+      const response = await fetchAxios.get(
+        `http://my%40email.com:pa%24ss@localhost:${server.address().port}/`
+      );
+      const base64 = Buffer.from('my@email.com:pa$ss', 'utf8').toString('base64');
+      assert.strictEqual(response.data, `Basic ${base64}`);
+    } finally {
+      await stopHTTPServer(server);
+    }
+  });
+
+  it('should UTF-8 encode basic auth credentials from the request URL', async () => {
+    const server = await startHTTPServer(
+      (req, res) => {
+        res.end(req.headers.authorization);
+      },
+      { port: SERVER_PORT }
+    );
+
+    try {
+      const response = await fetchAxios.get(
+        `http://%E7%94%A8%E6%88%B7:pa%C3%9F@localhost:${server.address().port}/`
+      );
+      const base64 = Buffer.from('\u7528\u6237:pa\u00df', 'utf8').toString('base64');
+      assert.strictEqual(response.data, `Basic ${base64}`);
+    } finally {
+      await stopHTTPServer(server);
+    }
+  });
+
+  it('keeps malformed URL credentials percent-encoding and does not throw', async () => {
+    const server = await startHTTPServer(
+      (req, res) => {
+        res.end(req.headers.authorization);
+      },
+      { port: SERVER_PORT }
+    );
+
+    try {
+      const response = await fetchAxios.get(`http://user%:foo%zz@localhost:${server.address().port}/`);
+      const base64 = Buffer.from('user%:foo%zz', 'utf8').toString('base64');
+      assert.strictEqual(response.data, `Basic ${base64}`);
+    } finally {
+      await stopHTTPServer(server);
+    }
+  });
+
+  it('should support password-only basic auth credentials from the request URL', async () => {
+    const server = await startHTTPServer(
+      (req, res) => {
+        res.end(req.headers.authorization);
+      },
+      { port: SERVER_PORT }
+    );
+
+    try {
+      const response = await fetchAxios.get(`http://:secret@localhost:${server.address().port}/`);
+      const base64 = Buffer.from(':secret', 'utf8').toString('base64');
+      assert.strictEqual(response.data, `Basic ${base64}`);
+    } finally {
+      await stopHTTPServer(server);
+    }
+  });
+
+  it('should prefer config auth over basic auth credentials from the request URL', async () => {
+    const server = await startHTTPServer(
+      (req, res) => {
+        res.end(req.headers.authorization);
+      },
+      { port: SERVER_PORT }
+    );
+
+    try {
+      const auth = { username: 'config-user', password: 'config-pass' };
+      const response = await fetchAxios.get(
+        `http://url-user:url-pass@localhost:${server.address().port}/`,
+        { auth }
+      );
+      const base64 = Buffer.from('config-user:config-pass', 'utf8').toString('base64');
+      assert.strictEqual(response.data, `Basic ${base64}`);
+    } finally {
+      await stopHTTPServer(server);
+    }
+  });
+
+  it('should support basic auth with a header', async () => {
+    const server = await startHTTPServer(
+      (req, res) => {
+        res.end(req.headers.authorization);
+      },
+      { port: SERVER_PORT }
+    );
+
+    try {
+      const auth = { username: 'foo', password: 'bar' };
+      const headers = { AuThOrIzAtIoN: 'Bearer 1234' }; // wonky casing to ensure caseless comparison
+      const response = await fetchAxios.get(`http://localhost:${server.address().port}/`, {
+        auth,
+        headers,
+      });
+      const base64 = Buffer.from('foo:bar', 'utf8').toString('base64');
+      assert.strictEqual(response.data, `Basic ${base64}`);
+    } finally {
+      await stopHTTPServer(server);
+    }
+  });
+
   it('should support stream.Readable as a payload', async () => {
     const server = await startHTTPServer(async (req, res) => res.end('OK'), { port: SERVER_PORT });
 
diff --git a/tests/unit/adapters/http.test.js b/tests/unit/adapters/http.test.js
index 7799d521..8e103c09 100644
--- a/tests/unit/adapters/http.test.js
+++ b/tests/unit/adapters/http.test.js
@@ -1143,6 +1143,23 @@ describe('supports http with nodejs', () => {
     }
   });
 
+  it('should support password-only basic auth credentials from the request URL', async () => {
+    const server = await startHTTPServer(
+      (req, res) => {
+        res.end(req.headers.authorization);
+      },
+      { port: SERVER_PORT }
+    );
+
+    try {
+      const response = await axios.get(`http://:secret@localhost:${server.address().port}/`);
+      const base64 = Buffer.from(':secret', 'utf8').toString('base64');
+      assert.strictEqual(response.data, `Basic ${base64}`);
+    } finally {
+      await stopHTTPServer(server);
+    }
+  });
+
   it('should support basic auth with a header', async () => {
     const server = await startHTTPServer(
       (req, res) => {