diff --git a/zrpc/resolver/internal/discovbuilder.go b/zrpc/resolver/internal/discovbuilder.go
index 1aa5d8f3a..a7506f720 100644
--- a/zrpc/resolver/internal/discovbuilder.go
+++ b/zrpc/resolver/internal/discovbuilder.go
@@ -13,10 +13,10 @@ type discovBuilder struct{}
 
 func (b *discovBuilder) Build(target resolver.Target, cc resolver.ClientConn, _ resolver.BuildOptions) (
 	resolver.Resolver, error) {
-	hosts := strings.FieldsFunc(targets.GetAuthority(target), func(r rune) bool {
+	hosts := strings.FieldsFunc(targets.GetHosts(target), func(r rune) bool {
 		return r == EndpointSepChar
 	})
-	sub, err := discov.NewSubscriber(hosts, targets.GetEndpoints(target))
+	sub, err := discov.NewSubscriber(hosts, targets.GetKey(target))
 	if err != nil {
 		return nil, err
 	}
diff --git a/zrpc/resolver/internal/discovbuilder_test.go b/zrpc/resolver/internal/discovbuilder_test.go
index 334e35632..937707c04 100644
--- a/zrpc/resolver/internal/discovbuilder_test.go
+++ b/zrpc/resolver/internal/discovbuilder_test.go
@@ -28,7 +28,7 @@ func TestDiscovBuilder_Build(t *testing.T) {
 	for _, server := range servers.Servers {
 		addrs = append(addrs, server.Address)
 	}
-	u, err := url.Parse(fmt.Sprintf("%s://%s", DiscovScheme, strings.Join(addrs, ",")))
+	u, err := url.Parse(fmt.Sprintf("%s:///%s?key=test", DiscovScheme, strings.Join(addrs, ",")))
 	assert.NoError(t, err)
 
 	var b discovBuilder
diff --git a/zrpc/resolver/internal/targets/endpoints.go b/zrpc/resolver/internal/targets/endpoints.go
index 2685f6d2b..3cd02c5e2 100644
--- a/zrpc/resolver/internal/targets/endpoints.go
+++ b/zrpc/resolver/internal/targets/endpoints.go
@@ -17,3 +17,29 @@ func GetAuthority(target resolver.Target) string {
 func GetEndpoints(target resolver.Target) string {
 	return strings.Trim(target.URL.Path, slashSeparator)
 }
+
+// GetHosts returns the comma-separated etcd hosts from the target URL.
+// It supports two formats:
+//   - New format (etcd:///h1:port,h2:port?key=k): hosts are in the URL path (empty authority)
+//   - Legacy format (etcd://h1:port/key): host is in the URL authority
+func GetHosts(target resolver.Target) string {
+	if target.URL.Host == "" {
+		// New format: hosts encoded in URL path to avoid RFC 3986 authority issues
+		return GetEndpoints(target)
+	}
+	// Legacy format: single host in authority
+	return target.URL.Host
+}
+
+// GetKey returns the etcd key from the target URL.
+// It supports two formats:
+//   - New format (etcd:///h1:port,h2:port?key=k): key is in the "key" query parameter
+//   - Legacy format (etcd://h1:port/key): key is in the URL path
+func GetKey(target resolver.Target) string {
+	if target.URL.Host == "" {
+		// New format: key is in the query parameter
+		return target.URL.Query().Get("key")
+	}
+	// Legacy format: key is in the path
+	return strings.Trim(target.URL.Path, slashSeparator)
+}
diff --git a/zrpc/resolver/internal/targets/endpoints_test.go b/zrpc/resolver/internal/targets/endpoints_test.go
index a22e2d394..93c930a25 100644
--- a/zrpc/resolver/internal/targets/endpoints_test.go
+++ b/zrpc/resolver/internal/targets/endpoints_test.go
@@ -87,3 +87,83 @@ func TestGetEndpoints(t *testing.T) {
 		})
 	}
 }
+
+func TestGetHosts(t *testing.T) {
+	tests := []struct {
+		name string
+		url  string
+		want string
+	}{
+		{
+			name: "single host",
+			url:  "etcd:///localhost:2379?key=foo",
+			want: "localhost:2379",
+		},
+		{
+			name: "multiple hosts",
+			url:  "etcd:///host1:2379,host2:2379,host3:2379?key=foo",
+			want: "host1:2379,host2:2379,host3:2379",
+		},
+		{
+			name: "legacy single host in authority",
+			url:  "etcd://localhost:2379/my-service",
+			want: "localhost:2379",
+		},
+	}
+
+	for _, test := range tests {
+		t.Run(test.name, func(t *testing.T) {
+			uri, err := url.Parse(test.url)
+			assert.Nil(t, err)
+			target := resolver.Target{
+				URL: *uri,
+			}
+			assert.Equal(t, test.want, GetHosts(target))
+		})
+	}
+}
+
+func TestGetKey(t *testing.T) {
+	tests := []struct {
+		name string
+		url  string
+		want string
+	}{
+		{
+			name: "simple key",
+			url:  "etcd:///localhost:2379?key=my-service",
+			want: "my-service",
+		},
+		{
+			name: "key with slashes",
+			url:  "etcd:///localhost:2379?key=%2Fgrpc%2Fmy-service",
+			want: "/grpc/my-service",
+		},
+		{
+			name: "no key",
+			url:  "etcd:///localhost:2379",
+			want: "",
+		},
+		{
+			name: "legacy key in path",
+			url:  "etcd://localhost:2379/my-service",
+			want: "my-service",
+		},
+		{
+			name: "legacy key with leading slash",
+			url:  "etcd://localhost:2379/grpc/my-service",
+			want: "grpc/my-service",
+		},
+	}
+
+	for _, test := range tests {
+		t.Run(test.name, func(t *testing.T) {
+			uri, err := url.Parse(test.url)
+			assert.Nil(t, err)
+			target := resolver.Target{
+				URL: *uri,
+			}
+			assert.Equal(t, test.want, GetKey(target))
+		})
+	}
+}
diff --git a/zrpc/resolver/target.go b/zrpc/resolver/target.go
index deb2b8aa8..34ce0cabf 100644
--- a/zrpc/resolver/target.go
+++ b/zrpc/resolver/target.go
@@ -2,6 +2,7 @@ package resolver
 
 import (
 	"fmt"
+	"net/url"
 	"strings"
 
 	"github.com/zeromicro/go-zero/zrpc/resolver/internal"
@@ -14,7 +15,9 @@ func BuildDirectTarget(endpoints []string) string {
 }
 
 // BuildDiscovTarget returns a string that represents the given endpoints with discov schema.
+// The format is etcd:///host1:port,host2:port?key=<etcd-key> to avoid placing comma-separated
+// hosts in the URI authority, which Go 1.26+ rejects per RFC 3986.
 func BuildDiscovTarget(endpoints []string, key string) string {
-	return fmt.Sprintf("%s://%s/%s", internal.EtcdScheme,
-		strings.Join(endpoints, internal.EndpointSep), key)
+	return fmt.Sprintf("%s:///%s?key=%s", internal.EtcdScheme,
+		strings.Join(endpoints, internal.EndpointSep), url.QueryEscape(key))
 }
diff --git a/zrpc/resolver/target_test.go b/zrpc/resolver/target_test.go
index 49af6e167..29ce00467 100644
--- a/zrpc/resolver/target_test.go
+++ b/zrpc/resolver/target_test.go
@@ -13,5 +13,10 @@ func TestBuildDirectTarget(t *testing.T) {
 
 func TestBuildDiscovTarget(t *testing.T) {
 	target := BuildDiscovTarget([]string{"localhost:123", "localhost:456"}, "foo")
-	assert.Equal(t, "etcd://localhost:123,localhost:456/foo", target)
+	assert.Equal(t, "etcd:///localhost:123,localhost:456?key=foo", target)
+}
+
+func TestBuildDiscovTargetWithSlashKey(t *testing.T) {
+	target := BuildDiscovTarget([]string{"localhost:2379"}, "/grpc/my-service")
+	assert.Equal(t, "etcd:///localhost:2379?key=%2Fgrpc%2Fmy-service", target)
 }