diff --git a/apps/dashboard/src/MoaSettingsPanel.tsx b/apps/dashboard/src/MoaSettingsPanel.tsx
index 18428ea..8ff2f32 100644
--- a/apps/dashboard/src/MoaSettingsPanel.tsx
+++ b/apps/dashboard/src/MoaSettingsPanel.tsx
@@ -113,8 +113,12 @@ export function MoaSettingsPanel() {
       Object.values(apiKeys).some((value) => value.trim()));
 
   return (
-    <section className="settings-section">
-      <h3>MoA 참조 모델</h3>
+    <section className="settings-section" id="settings-moa">
+      <header className="settings-section-head">
+        <span>Arbiter references</span>
+        <h3>MoA 참조 모델</h3>
+        <p>Kimi, GLM 같은 외부 참조 모델을 켜고 연결 상태를 바로 확인합니다.</p>
+      </header>
       {error ? <p className="settings-error">{error}</p> : null}
       {!draft ? (
         <p className="settings-hint">
@@ -269,7 +273,7 @@ function MoaSettingsActions({
       </button>
       {savedAt && !dirty ? (
         <small className="settings-hint">
-          저장됨. 적용하려면 스택 재시작 필요.
+          저장됨. 적용하려면 상단의 스택 재시작을 눌러 주세요.
         </small>
       ) : null}
     </div>
diff --git a/apps/dashboard/src/SettingsPanel.test.ts b/apps/dashboard/src/SettingsPanel.test.ts
index db03e42..d9882af 100644
--- a/apps/dashboard/src/SettingsPanel.test.ts
+++ b/apps/dashboard/src/SettingsPanel.test.ts
@@ -21,6 +21,8 @@ describe('SettingsPanel', () => {
     const html = renderToStaticMarkup(createElement(SettingsPanel, baseProps));
 
     expect(html).toContain('settings-panel');
+    expect(html).toContain('settings-hero');
+    expect(html).toContain('settings-nav');
     expect(html).toContain(t.settings.nicknameLabel);
     expect(html).toContain('value="Night Owl"');
     expect(html).toContain(t.settings.languageLabel);
@@ -35,6 +37,8 @@ describe('SettingsPanel', () => {
     expect(html).toContain('MoA 참조 모델');
     expect(html).toContain('패스트 모드');
     expect(html).toContain('Codex 실험 기능');
+    expect(html).toContain('href="#settings-codex"');
+    expect(html).toContain('/goal');
     expect(html).toContain('변경 적용');
     expect(html).toContain('불러오는 중');
     expect(html).toContain('Claude');
diff --git a/apps/dashboard/src/SettingsPanel.tsx b/apps/dashboard/src/SettingsPanel.tsx
index 2028d3e..77b21fc 100644
--- a/apps/dashboard/src/SettingsPanel.tsx
+++ b/apps/dashboard/src/SettingsPanel.tsx
@@ -31,6 +31,34 @@ interface AccountData {
   codexCurrentIndex?: number;
 }
 
+const SETTINGS_NAV_ITEMS = [
+  {
+    href: '#settings-general',
+    title: '일반',
+    detail: '표시 · 언어',
+  },
+  {
+    href: '#settings-models',
+    title: '모델',
+    detail: 'owner · reviewer · arbiter',
+  },
+  {
+    href: '#settings-moa',
+    title: 'MoA',
+    detail: '참조 모델 · 연결 테스트',
+  },
+  {
+    href: '#settings-codex',
+    title: 'Codex',
+    detail: 'fast mode · /goal',
+  },
+  {
+    href: '#settings-accounts',
+    title: '계정',
+    detail: 'Claude · Codex',
+  },
+] as const;
+
 export interface SettingsPanelProps {
   locale: Locale;
   nickname: string;
@@ -50,54 +78,134 @@ export function SettingsPanel({
 }: SettingsPanelProps) {
   return (
     <div className="settings-panel">
-      <section className="settings-section">
-        <h3>일반</h3>
-        <label className="settings-row">
-          <span className="settings-label">{t.settings.nicknameLabel}</span>
-          <input
-            maxLength={32}
-            onChange={(event) => onNicknameChange(event.target.value)}
-            placeholder={t.settings.nicknamePlaceholder}
-            type="text"
-            value={nickname}
-          />
-          <small className="settings-hint">{t.settings.nicknameHelp}</small>
-        </label>
-        <label className="settings-row">
-          <span className="settings-label">{t.settings.languageLabel}</span>
-          <select
-            aria-label={t.settings.languageLabel}
-            onChange={(event) => onLocaleChange(event.target.value as Locale)}
-            value={locale}
-          >
-            {LOCALES.map((item) => (
-              <option key={item} value={item}>
-                {languageNames[item]}
-              </option>
-            ))}
-          </select>
-        </label>
-      </section>
+      <SettingsHero />
+      <div className="settings-layout">
+        <SettingsNav />
+        <main className="settings-content" aria-label="설정 항목">
+          <section className="settings-section" id="settings-general">
+            <SettingsSectionHeading
+              detail="Dashboard identity"
+              title="일반"
+              description="브라우저에서 보이는 이름과 언어만 즉시 바뀝니다."
+            />
+            <div className="settings-form-grid">
+              <label className="settings-row">
+                <span className="settings-label">
+                  {t.settings.nicknameLabel}
+                </span>
+                <input
+                  maxLength={32}
+                  onChange={(event) => onNicknameChange(event.target.value)}
+                  placeholder={t.settings.nicknamePlaceholder}
+                  type="text"
+                  value={nickname}
+                />
+                <small className="settings-hint">
+                  {t.settings.nicknameHelp}
+                </small>
+              </label>
+              <label className="settings-row">
+                <span className="settings-label">
+                  {t.settings.languageLabel}
+                </span>
+                <select
+                  aria-label={t.settings.languageLabel}
+                  onChange={(event) =>
+                    onLocaleChange(event.target.value as Locale)
+                  }
+                  value={locale}
+                >
+                  {LOCALES.map((item) => (
+                    <option key={item} value={item}>
+                      {languageNames[item]}
+                    </option>
+                  ))}
+                </select>
+              </label>
+            </div>
+          </section>
 
-      <SettingsApplyBar onRestartStack={onRestartStack} />
+          <SettingsApplyBar onRestartStack={onRestartStack} />
 
-      <ModelSettings />
+          <ModelSettings />
 
-      <MoaSettingsPanel />
+          <MoaSettingsPanel />
 
-      <FastModeSettings />
+          <section className="settings-section" id="settings-codex">
+            <SettingsSectionHeading
+              detail="Codex runtime"
+              title="Codex 옵션"
+              description="빠른 응답과 실험 기능을 관리합니다. /goal은 여기에서 찾을 수 있습니다."
+            />
+            <div className="settings-section-stack">
+              <FastModeSettings />
+              <CodexFeatureSettings />
+            </div>
+          </section>
 
-      <CodexFeatureSettings />
-
-      <AccountSettings />
+          <AccountSettings />
+        </main>
+      </div>
     </div>
   );
 }
 
+function SettingsHero() {
+  return (
+    <header className="settings-hero">
+      <div>
+        <span className="settings-kicker">Operations console</span>
+        <h2>설정</h2>
+        <p>
+          모델, MoA, Codex 실험 기능, 계정을 한 화면에서 조정합니다. 런타임에
+          반영되는 항목은 저장 후 한 번만 재시작하면 됩니다.
+        </p>
+      </div>
+      <div className="settings-hero-badges" aria-label="주요 설정">
+        <span>Codex /goal</span>
+        <span>MoA</span>
+        <span>Accounts</span>
+      </div>
+    </header>
+  );
+}
+
+function SettingsNav() {
+  return (
+    <aside className="settings-nav" aria-label="설정 섹션">
+      {SETTINGS_NAV_ITEMS.map((item) => (
+        <a href={item.href} key={item.href}>
+          <strong>{item.title}</strong>
+          <small>{item.detail}</small>
+        </a>
+      ))}
+    </aside>
+  );
+}
+
+function SettingsSectionHeading({
+  detail,
+  title,
+  description,
+}: {
+  detail: string;
+  title: string;
+  description: string;
+}) {
+  return (
+    <header className="settings-section-head">
+      <span>{detail}</span>
+      <h3>{title}</h3>
+      <p>{description}</p>
+    </header>
+  );
+}
+
 function SettingsApplyBar({ onRestartStack }: { onRestartStack: () => void }) {
   return (
     <section className="settings-apply-bar" aria-label="변경 적용">
       <div>
+        <span className="settings-kicker">Apply changes</span>
         <strong>변경 적용</strong>
         <small>
           모델, MoA, Codex 실험 기능, 계정 변경은 저장 후 스택 재시작으로
@@ -188,8 +296,12 @@ function ModelSettings() {
     JSON.stringify(draft) !== JSON.stringify(config);
 
   return (
-    <section className="settings-section">
-      <h3>모델</h3>
+    <section className="settings-section" id="settings-models">
+      <SettingsSectionHeading
+        detail="Agent routing"
+        title="모델"
+        description="역할별 모델과 reasoning effort를 지정합니다."
+      />
       {error ? <p className="settings-error">{error}</p> : null}
       {!draft ? (
         <p className="settings-hint">
@@ -228,7 +340,7 @@ function ModelSettings() {
             </button>
             {savedAt && !dirty ? (
               <small className="settings-hint">
-                저장됨. 적용하려면 스택 재시작 필요.
+                저장됨. 적용하려면 상단의 스택 재시작을 눌러 주세요.
               </small>
             ) : null}
           </div>
@@ -279,8 +391,8 @@ function FastModeSettings() {
   }
 
   return (
-    <section className="settings-section">
-      <h3>패스트 모드</h3>
+    <section className="settings-subsection">
+      <h4>패스트 모드</h4>
       {error ? <p className="settings-error">{error}</p> : null}
       {!state ? (
         <p className="settings-hint">불러오는 중…</p>
@@ -365,8 +477,8 @@ function CodexFeatureSettings() {
   }
 
   return (
-    <section className="settings-section">
-      <h3>Codex 실험 기능</h3>
+    <section className="settings-subsection">
+      <h4>Codex 실험 기능</h4>
       {error ? <p className="settings-error">{error}</p> : null}
       {!state ? (
         <p className="settings-hint">불러오는 중…</p>
@@ -534,8 +646,12 @@ function AccountSettings() {
   }
 
   return (
-    <section className="settings-section">
-      <h3>계정</h3>
+    <section className="settings-section" id="settings-accounts">
+      <SettingsSectionHeading
+        detail="Credentials"
+        title="계정"
+        description="Claude OAuth와 Codex 계정 상태를 확인하고 전환합니다."
+      />
       {error ? <p className="settings-error">{error}</p> : null}
       <ClaudeAccounts
         busy={busy}
diff --git a/apps/dashboard/src/styles.css b/apps/dashboard/src/styles.css
index 4ec0fcf..c957cf8 100644
--- a/apps/dashboard/src/styles.css
+++ b/apps/dashboard/src/styles.css
@@ -628,11 +628,150 @@ button:disabled {
 
 .settings-panel {
   display: grid;
-  gap: 14px;
-  max-width: 760px;
+  gap: 18px;
+  max-width: 1160px;
   width: 100%;
 }
 
+.settings-hero {
+  position: relative;
+  overflow: hidden;
+  display: flex;
+  gap: 18px;
+  align-items: flex-end;
+  justify-content: space-between;
+  padding: 20px;
+  border: 1px solid rgba(214, 130, 88, 0.18);
+  border-radius: 18px;
+  background:
+    radial-gradient(
+      circle at 12% 0%,
+      rgba(214, 130, 88, 0.2),
+      transparent 28rem
+    ),
+    linear-gradient(135deg, rgba(255, 255, 255, 0.055), transparent 52%),
+    var(--panel);
+  box-shadow: var(--card-shadow-strong);
+}
+
+.settings-hero::after {
+  content: '';
+  position: absolute;
+  right: -70px;
+  top: -90px;
+  width: 260px;
+  height: 260px;
+  border: 1px solid rgba(214, 130, 88, 0.2);
+  border-radius: 999px;
+  background: rgba(214, 130, 88, 0.04);
+  pointer-events: none;
+}
+
+.settings-hero > div {
+  position: relative;
+  z-index: 1;
+}
+
+.settings-hero h2 {
+  margin: 4px 0 6px;
+  font-size: clamp(26px, 4vw, 42px);
+  line-height: 0.95;
+  letter-spacing: -0.05em;
+}
+
+.settings-hero p {
+  max-width: 62ch;
+  margin: 0;
+  color: var(--muted);
+  font-size: 13px;
+  line-height: 1.7;
+}
+
+.settings-kicker {
+  color: var(--accent-strong);
+  font-size: 10px;
+  font-weight: 800;
+  letter-spacing: 0.12em;
+  text-transform: uppercase;
+}
+
+.settings-hero-badges {
+  display: flex;
+  gap: 6px;
+  flex-wrap: wrap;
+  justify-content: flex-end;
+  min-width: 220px;
+}
+
+.settings-hero-badges span {
+  padding: 6px 9px;
+  border: 1px solid rgba(255, 255, 255, 0.08);
+  border-radius: 999px;
+  background: rgba(255, 255, 255, 0.045);
+  color: var(--bg-ink);
+  font-size: 11px;
+  font-weight: 700;
+}
+
+.settings-layout {
+  display: grid;
+  grid-template-columns: 220px minmax(0, 1fr);
+  gap: 16px;
+  align-items: start;
+}
+
+.settings-nav {
+  position: sticky;
+  top: 72px;
+  display: grid;
+  gap: 8px;
+  padding: 10px;
+  border: 1px solid var(--panel-border);
+  border-radius: 16px;
+  background:
+    linear-gradient(180deg, rgba(255, 255, 255, 0.04), transparent),
+    rgba(19, 24, 22, 0.82);
+  box-shadow: var(--card-shadow);
+}
+
+.settings-nav a {
+  display: grid;
+  gap: 2px;
+  padding: 10px 12px;
+  border: 1px solid transparent;
+  border-radius: 12px;
+  color: var(--muted);
+  text-decoration: none;
+  transition:
+    background 140ms ease,
+    border-color 140ms ease,
+    color 140ms ease,
+    transform 140ms ease;
+}
+
+.settings-nav a:hover {
+  transform: translateX(2px);
+  border-color: rgba(214, 130, 88, 0.24);
+  background: rgba(214, 130, 88, 0.08);
+  color: var(--bg-ink);
+}
+
+.settings-nav strong {
+  color: currentColor;
+  font-size: 13px;
+}
+
+.settings-nav small {
+  color: var(--muted-soft);
+  font-size: 11px;
+}
+
+.settings-content {
+  display: grid;
+  gap: 14px;
+  min-width: 0;
+}
+
 .settings-row {
   display: grid;
   gap: 6px;
@@ -648,10 +787,10 @@ button:disabled {
 
 .settings-row input,
 .settings-row select {
-  min-height: 36px;
+  min-height: 38px;
   padding: 0 12px;
   border: 1px solid var(--panel-border);
-  border-radius: 8px;
+  border-radius: 10px;
   background: var(--bg-card);
   color: var(--bg-ink);
   font: inherit;
@@ -668,23 +807,50 @@ button:disabled {
 .settings-hint {
   color: var(--muted-soft);
   font-size: 11px;
+  line-height: 1.45;
 }
 
 .settings-section {
   display: grid;
-  gap: 10px;
-  margin-bottom: 24px;
-  padding: 12px;
+  gap: 14px;
+  scroll-margin-top: 96px;
+  padding: 16px;
   border: 1px solid var(--panel-border);
-  border-radius: 8px;
-  background: var(--panel);
+  border-radius: 16px;
+  background:
+    linear-gradient(180deg, rgba(255, 255, 255, 0.035), transparent 80px),
+    var(--panel);
+  box-shadow: var(--card-shadow);
 }
 
-.settings-section h3 {
-  margin: 0 0 4px;
-  font-size: 14px;
-  font-weight: 700;
-  letter-spacing: -0.01em;
+.settings-section-head {
+  display: grid;
+  gap: 4px;
+  padding-bottom: 10px;
+  border-bottom: 1px solid var(--divider);
+}
+
+.settings-section-head > span {
+  color: var(--accent);
+  font-size: 10px;
+  font-weight: 800;
+  letter-spacing: 0.12em;
+  text-transform: uppercase;
+}
+
+.settings-section-head h3 {
+  margin: 0;
+  font-size: 18px;
+  font-weight: 800;
+  letter-spacing: -0.03em;
+}
+
+.settings-section-head p {
+  max-width: 64ch;
+  margin: 0;
+  color: var(--muted);
+  font-size: 12px;
+  line-height: 1.55;
 }
 
 .settings-section h4 {
@@ -696,6 +862,26 @@ button:disabled {
   letter-spacing: 0.05em;
 }
 
+.settings-form-grid {
+  display: grid;
+  grid-template-columns: minmax(0, 1.2fr) minmax(180px, 0.8fr);
+  gap: 12px;
+}
+
+.settings-section-stack {
+  display: grid;
+  gap: 10px;
+}
+
+.settings-subsection {
+  display: grid;
+  gap: 10px;
+  padding: 12px;
+  border: 1px solid rgba(255, 255, 255, 0.045);
+  border-radius: 12px;
+  background: rgba(255, 255, 255, 0.018);
+}
+
 .settings-apply-bar {
   position: sticky;
   top: 72px;
@@ -704,13 +890,14 @@ button:disabled {
   gap: 12px;
   align-items: center;
   justify-content: space-between;
-  padding: 12px;
+  padding: 14px 16px;
   border: 1px solid rgba(214, 130, 88, 0.32);
-  border-radius: 10px;
+  border-radius: 16px;
   background:
-    linear-gradient(135deg, rgba(214, 130, 88, 0.14), transparent 55%),
-    rgba(19, 24, 22, 0.94);
-  box-shadow: 0 10px 28px rgba(0, 0, 0, 0.2);
+    linear-gradient(135deg, rgba(214, 130, 88, 0.2), transparent 56%),
+    rgba(16, 20, 18, 0.96);
+  box-shadow: 0 14px 36px rgba(0, 0, 0, 0.28);
+  backdrop-filter: blur(16px);
 }
 
 .settings-apply-bar > div {
@@ -721,7 +908,8 @@ button:disabled {
 
 .settings-apply-bar strong {
   color: var(--bg-ink);
-  font-size: 13px;
+  font-size: 15px;
+  letter-spacing: -0.02em;
 }
 
 .settings-apply-bar small {
@@ -730,10 +918,14 @@ button:disabled {
 }
 
 .settings-row-inline {
-  grid-template-columns: 80px minmax(0, 1fr) 100px;
+  grid-template-columns: 92px minmax(0, 1fr) 112px;
   display: grid;
   gap: 8px;
   align-items: center;
+  padding: 8px;
+  border: 1px solid rgba(255, 255, 255, 0.04);
+  border-radius: 12px;
+  background: rgba(255, 255, 255, 0.015);
 }
 
 .settings-row-inline > .settings-label {
@@ -760,10 +952,20 @@ button:disabled {
   grid-template-columns: minmax(0, 1fr) auto;
   gap: 12px;
   align-items: center;
-  padding: 10px 12px;
+  padding: 12px 14px;
   border: 1px solid var(--panel-border);
-  border-radius: 8px;
+  border-radius: 12px;
   background: rgba(255, 255, 255, 0.02);
+  transition:
+    border-color 140ms ease,
+    background 140ms ease,
+    transform 140ms ease;
+}
+
+.settings-toggle-row:hover {
+  transform: translateY(-1px);
+  border-color: rgba(214, 130, 88, 0.22);
+  background: rgba(255, 255, 255, 0.035);
 }
 
 .settings-toggle-row + .settings-toggle-row {
@@ -783,8 +985,8 @@ button:disabled {
 }
 
 .settings-toggle-row input[type='checkbox'] {
-  width: 18px;
-  height: 18px;
+  width: 20px;
+  height: 20px;
   cursor: pointer;
   accent-color: var(--accent);
 }
@@ -794,7 +996,7 @@ button:disabled {
   min-height: 32px;
   padding: 0 14px;
   border: 0;
-  border-radius: 6px;
+  border-radius: 999px;
   background: var(--accent);
   color: var(--bg);
   font-size: 12px;
@@ -809,9 +1011,10 @@ button:disabled {
 }
 
 .settings-restart {
-  background: rgba(224, 100, 75, 0.16);
-  color: var(--status-critical);
-  border: 1px solid rgba(224, 100, 75, 0.32);
+  background: linear-gradient(135deg, #e89970, #d66f4e);
+  color: #150f0b;
+  border: 1px solid rgba(255, 210, 180, 0.22);
+  box-shadow: 0 8px 20px rgba(214, 111, 78, 0.18);
 }
 
 .settings-error {
@@ -826,7 +1029,7 @@ button:disabled {
 
 .settings-account-group {
   display: grid;
-  gap: 8px;
+  gap: 10px;
 }
 
 .settings-account-list {
@@ -834,7 +1037,7 @@ button:disabled {
   margin: 0;
   padding: 0;
   display: grid;
-  gap: 4px;
+  gap: 6px;
 }
 
 .settings-account-group-head {
@@ -849,9 +1052,9 @@ button:disabled {
   grid-template-columns: minmax(0, 1fr) auto;
   gap: 10px;
   align-items: center;
-  padding: 8px 10px;
+  padding: 10px 12px;
   border: 1px solid var(--panel-border);
-  border-radius: 8px;
+  border-radius: 12px;
   background: rgba(255, 255, 255, 0.02);
 }
 
@@ -870,7 +1073,7 @@ button:disabled {
   min-height: 28px;
   padding: 0 10px;
   border: 1px solid var(--panel-border-strong);
-  border-radius: 6px;
+  border-radius: 999px;
   background: rgba(255, 255, 255, 0.04);
   color: var(--bg-ink);
   font-size: 11px;
@@ -915,7 +1118,7 @@ button:disabled {
   min-width: 0;
   padding: 0 10px;
   border: 1px solid var(--panel-border);
-  border-radius: 7px;
+  border-radius: 9px;
   background: var(--bg-card);
   color: var(--bg-ink);
   font: inherit;
@@ -1005,7 +1208,7 @@ button:disabled {
   min-height: 28px;
   padding: 0 10px;
   border: 1px solid rgba(224, 100, 75, 0.32);
-  border-radius: 6px;
+  border-radius: 999px;
   background: rgba(224, 100, 75, 0.06);
   color: var(--status-critical);
   font-size: 11px;
@@ -1028,7 +1231,7 @@ button:disabled {
 .settings-add-token textarea {
   width: 100%;
   border: 1px solid var(--panel-border-strong);
-  border-radius: 6px;
+  border-radius: 10px;
   padding: 8px 10px;
   background: var(--bg-card);
   color: var(--bg-ink);
@@ -1042,7 +1245,7 @@ button:disabled {
   min-height: 36px;
   padding: 0 14px;
   border: 0;
-  border-radius: 6px;
+  border-radius: 999px;
   background: var(--accent);
   color: var(--bg);
   font-size: 12px;
@@ -1055,6 +1258,51 @@ button:disabled {
   cursor: not-allowed;
 }
 
+@media (max-width: 980px) {
+  .settings-layout {
+    grid-template-columns: 1fr;
+  }
+
+  .settings-nav {
+    position: static;
+    grid-template-columns: repeat(5, minmax(120px, 1fr));
+    overflow-x: auto;
+  }
+}
+
+@media (max-width: 720px) {
+  .settings-hero,
+  .settings-apply-bar {
+    align-items: stretch;
+    flex-direction: column;
+  }
+
+  .settings-hero-badges {
+    justify-content: flex-start;
+    min-width: 0;
+  }
+
+  .settings-form-grid,
+  .settings-row-inline,
+  .settings-account-row,
+  .settings-add-token {
+    grid-template-columns: 1fr;
+  }
+
+  .settings-moa-grid {
+    grid-template-columns: 1fr;
+  }
+
+  .settings-account-main {
+    grid-template-columns: 28px minmax(0, 1fr);
+  }
+
+  .settings-account-actions {
+    justify-content: flex-start;
+    flex-wrap: wrap;
+  }
+}
+
 .room-inbox-badges {
   display: inline-flex;
   gap: 4px;