diff --git a/src/iai_mcp/http_server.py b/src/iai_mcp/http_server.py
index 19a72ed..edd9202 100644
--- a/src/iai_mcp/http_server.py
+++ b/src/iai_mcp/http_server.py
@@ -73,16 +73,17 @@ def _payload_to_text(result: Any) -> str:
     if not isinstance(result, dict):
         return str(result)
     parts: list[str] = []
+    headers = {"l0": "## L0 Identity", "l1": "## L1 Recent Summary", "rich_club": "## Rich Club"}
     for key in ("l0", "l1", "rich_club"):
         val = result.get(key)
         if isinstance(val, str) and val.strip():
-            parts.append(val.strip())
+            parts.append(f"{headers[key]}\n{val.strip()}")
     l2 = result.get("l2")
     if isinstance(l2, list):
         for item in l2:
             text = item if isinstance(item, str) else json.dumps(item, ensure_ascii=False)
             if text.strip():
-                parts.append(text.strip())
+                parts.append(f"## L2 Episode\n{text.strip()}")
     # Compact handles (populated at minimal; also present at standard/deep).
     handles = [
         result.get(k)
@@ -90,7 +91,7 @@ def _payload_to_text(result: Any) -> str:
     ]
     handles = [h for h in handles if isinstance(h, str) and h.strip()]
     if handles:
-        parts.append(" ".join(handles))
+        parts.append(f"## Handles\n{' '.join(handles)}")
     return "\n\n".join(parts)
 
 
diff --git a/tests/test_http_server.py b/tests/test_http_server.py
index 06da13c..fdb5b02 100644
--- a/tests/test_http_server.py
+++ b/tests/test_http_server.py
@@ -158,7 +158,8 @@ def test_session_context_text_format(tmp_path, monkeypatch):
     assert headers["content-type"].startswith("text/plain")
     # Flattened block keeps the human layers in order, drops token ints.
     assert body == (
-        "pinned identity\n\nrecent summary\n\nhub concepts\n\nepisode one\n\nepisode two"
+        "## L0 Identity\npinned identity\n\n## L1 Recent Summary\nrecent summary\n\n"
+        "## Rich Club\nhub concepts\n\n## L2 Episode\nepisode one\n\n## L2 Episode\nepisode two"
     )
 
 
@@ -168,7 +169,7 @@ def test_payload_to_text_renders_handles_at_minimal():
     from iai_mcp.http_server import _payload_to_text
 
     text = _payload_to_text(_fake_dispatch(None, "minimal_payload", {}))
-    assert text == "<iai:970d1b7629da7946> <sess:abc pend:2> <topic:d3256b25>"
+    assert text == "## Handles\n<iai:970d1b7629da7946> <sess:abc pend:2> <topic:d3256b25>"
 
 
 def test_rpc_post_passthrough(tmp_path, monkeypatch):