EEG-based visual decoding aims to establish a mapping between neural signals and visual semantics. However, it remains constrained by the dual challenges of severe information granularity mismatch and the low signal-to-noise ratio (SNR) of EEG signals. Existing approaches typically treat visual features as static, ignoring the dynamic selectivity of human vision and the frequency specificity of neural oscillations. To bridge this gap, we propose CAIA, a Cognitive-guided Adaptive blurring with Information-Constrained Alignment framework for Neural-Visual decoding. On the visual side, it simulates selective attention to adaptively reduce redundancy. Meanwhile, on the EEG side, it combines neural oscillation priors with an information-bottleneck-inspired spectral sparsity regularizer to enhance SNR. Specifically, we devise a cognitive-dynamics-based adaptive blurring mechanism that dynamically integrates center-biased and saliency-guided visual cues via cross-modal attention. Furthermore, we introduce a distribution-aware boundary calibration loss to robustly rectify alignment bias caused by outlier samples. Moreover, a cognitively guided information-screening method is proposed to select task-relevant EEG oscillations. Extensive experiments demonstrate that CAIA improves both subject-dependent and subject-independent average Top-1 and Top-5 accuracy in zero-shot brain-to-image retrieval, significantly outperforming prior methods. Our work validates that optimizing visual information density to match neural granularity offers a more interpretable and robust pathway for neural decoding.

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