Visual environmental risk recognition plays an important role in secure authentication, where a user's surroundings may reveal sensitive information or introduce potential security risks. However, existing evaluations of multimodal large language models (MLLMs) rarely examine whether models can reliably recognize, localize, and explain such risks in spatially grounded authentication scenarios. We present SpatialTrust, a question-answering benchmark for evaluating environmental risk recognition in secure authentication. SpatialTrust assesses five complementary abilities: sensitive factor detection, direct factor identification, indirect factor identification, direct factor explanation, and indirect factor explanation. We evaluate both proprietary and open-source MLLMs and find that current models show limited performance, especially in understanding and explaining indirect risks, indicating that spatial risk awareness remains a challenging capability for MLLMs. In addition, we introduce SpatialTrustGuard, a structured QA-and-audit pipeline that improves Qwen3-VL-30B-A3B-Instruct from 36.78% to 41.12% overall. Our findings highlight the need for dedicated benchmarks and structured inference methods to improve the trustworthiness of MLLMs in secure authentication.

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