Federated Prompt Learning (FPL) enables parameter-efficient adaptation of pre-trained Vision-Language Models across decentralized clients without exchanging raw data. To cope with cross-client heterogeneity, existing FPL methods typically pair a globally shared prompt with a client-specific local prompt. However, this design personalizes only at the client level: the same local prompt is applied to all samples of a client, and the global and local prompts are combined in an input-agnostic, fixed manner. Consequently, it overlooks the substantial visual variations among samples within the same client and cannot adjust the balance between shared and personalized knowledge to each input. To address these limitations, we propose Federated Prompt Learning with Instance-Aware Cross-Modal Representations (FedIA), an FPL framework that learns instance-aware cross-modal representations. Specifically, FedIA first uses global text prompts as client-invariant semantic anchors to select image patches most relevant to each candidate class, suppressing distracting regions. The selected visual evidence then conditions the generation of instance-aware local text representations. Finally, an adaptive global-local fusion module calibrates the contributions of local and global text representations for each image-class pair. In this way, FedIA shifts personalization in FPL from the client level to the instance level while preserving the semantic knowledge shared across clients. Extensive experiments under domain shift, pathological label skew, and Dirichlet-based label skew show that FedIA outperforms FPL baselines, with maximum accuracy gains of 1.44\%-4.37\% over the latest baseline across the three settings. Ablation studies and analyses further verify the complementary contributions of instance-aware representation generation and adaptive global-local fusion.

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