diff --git a/cmd/common-main.go b/cmd/common-main.go
index fd4978c8c..e4c96c149 100644
--- a/cmd/common-main.go
+++ b/cmd/common-main.go
@@ -120,15 +120,40 @@ func init() {
 
 const consolePrefix = "CONSOLE_"
 
+// consoleMinIOServerEnv derives the CONSOLE_MINIO_SERVER value the embedded
+// Console uses to reach the S3/STS API, and whether TLS verification of that
+// endpoint must be skipped. With no explicit endpoint configured the Console
+// reaches the API over the loopback address, whose TLS certificate is not
+// expected to carry a 127.0.0.1 SAN; because Console verifies outbound TLS by
+// default, the loopback origin has to be exempted or embedded login (local and
+// LDAP alike) fails at the STS handshake. The exemption is endpoint-scoped in
+// Console, so every other HTTPS peer stays verified. An explicitly configured
+// endpoint is always reached under its own verified name and is never exempted.
+func consoleMinIOServerEnv(endpoint string, isTLS bool, port string) (server string, skipVerify bool) {
+	if endpoint != "" {
+		return endpoint, false
+	}
+	return fmt.Sprintf("%s://127.0.0.1:%s", getURLScheme(isTLS), port), isTLS
+}
+
 func minioConfigToConsoleFeatures() {
 	os.Setenv("CONSOLE_PBKDF_SALT", globalDeploymentID())
 	os.Setenv("CONSOLE_PBKDF_PASSPHRASE", globalDeploymentID())
-	if globalMinioEndpoint != "" {
-		os.Setenv("CONSOLE_MINIO_SERVER", globalMinioEndpoint)
+	consoleServer, skipVerify := consoleMinIOServerEnv(globalMinioEndpoint, globalIsTLS, globalMinioPort)
+	os.Setenv("CONSOLE_MINIO_SERVER", consoleServer)
+	if skipVerify {
+		// The embedded Console reaches the loopback S3/STS endpoint above, whose
+		// certificate is not expected to carry a 127.0.0.1 SAN. Console verifies
+		// outbound TLS by default (silo-console v2.3.x), so opt into the
+		// endpoint-scoped compatibility switch to preserve the documented loopback
+		// bypass; every other HTTPS peer (IdP, Prometheus, webhooks, ...) stays
+		// verified. initConsoleServer unsets CONSOLE_* before calling this, so the
+		// switch cannot be supplied by the operator on the embedded path.
+		os.Setenv("CONSOLE_MINIO_SERVER_TLS_SKIP_VERIFY", "on")
 	} else {
-		// Explicitly set 127.0.0.1 so Console will automatically bypass TLS verification to the local S3 API.
-		// This will save users from providing a certificate with IP or FQDN SAN that points to the local host.
-		os.Setenv("CONSOLE_MINIO_SERVER", fmt.Sprintf("%s://127.0.0.1:%s", getURLScheme(globalIsTLS), globalMinioPort))
+		// An explicitly configured endpoint is reached under its own verified name;
+		// never let a loopback exemption apply to it.
+		os.Unsetenv("CONSOLE_MINIO_SERVER_TLS_SKIP_VERIFY")
 	}
 	if value := env.Get(config.EnvMinIOLogQueryURL, ""); value != "" {
 		os.Setenv("CONSOLE_LOG_QUERY_URL", value)
diff --git a/cmd/common-main_test.go b/cmd/common-main_test.go
index 8afcaaf2b..7a5c43656 100644
--- a/cmd/common-main_test.go
+++ b/cmd/common-main_test.go
@@ -372,3 +372,56 @@ func TestConfigEnvFileNamedTargetDiscovery(t *testing.T) {
 		t.Fatalf("named target %q not discovered from %s: %v", "my-hook", key, targets)
 	}
 }
+
+// TestConsoleMinIOServerEnv locks in the loopback TLS exemption that keeps
+// embedded Console login working (issue #108) while ensuring an explicitly
+// configured endpoint is never silently exempted from TLS verification.
+func TestConsoleMinIOServerEnv(t *testing.T) {
+	tests := []struct {
+		name           string
+		endpoint       string
+		isTLS          bool
+		port           string
+		wantServer     string
+		wantSkipVerify bool
+	}{
+		{
+			name:           "loopback TLS is exempted so embedded login works",
+			isTLS:          true,
+			port:           "9000",
+			wantServer:     "https://127.0.0.1:9000",
+			wantSkipVerify: true,
+		},
+		{
+			name:       "loopback plain HTTP needs no exemption",
+			isTLS:      false,
+			port:       "9000",
+			wantServer: "http://127.0.0.1:9000",
+		},
+		{
+			name:       "explicit https endpoint stays verified",
+			endpoint:   "https://silo.example:9000",
+			isTLS:      true,
+			port:       "9000",
+			wantServer: "https://silo.example:9000",
+		},
+		{
+			name:       "explicit http endpoint stays verified",
+			endpoint:   "http://silo.example:9000",
+			isTLS:      false,
+			port:       "9000",
+			wantServer: "http://silo.example:9000",
+		},
+	}
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			server, skipVerify := consoleMinIOServerEnv(tt.endpoint, tt.isTLS, tt.port)
+			if server != tt.wantServer {
+				t.Fatalf("server = %q, want %q", server, tt.wantServer)
+			}
+			if skipVerify != tt.wantSkipVerify {
+				t.Fatalf("skipVerify = %v, want %v", skipVerify, tt.wantSkipVerify)
+			}
+		})
+	}
+}