Federated prompt tuning (FPT) enables collaborative adaptation of vision--language models (VLMs) using lightweight prompts. Existing methods often address heterogeneity and privacy through a split-prompt design under local differential privacy (DP), combining a shared prompt for global transfer with private prompts for local adaptation. However, a single shared prompt may over-smooth diverse transferable knowledge, weakening the balance between personalization and generalization. Multi-expert prompts (MEPs) can better capture this diversity, but enlarge the communicated space, increasing DP noise and communication cost while making robust expert composition more difficult. We propose FedSEPT, a privacy-preserving Fed}erated Subspace-decomposed Expert Prompt Tuning. Specifically, we employ Subspace-decomposed Expert Modeling (SEM) to parameterize multiple prompt experts with shared low-rank factors, a fixed public basis, and private residuals, thereby confining communication and DP perturbation to a compact factor space while enabling direct server aggregation in a common coordinate system. We further design Instance-aware Expert Fusion (IEF), which adaptively combines semantically complementary experts via on-device routing and performs efficient logit-level fusion using cached expert-specific text features. Extensive experiments on 11 heterogeneous benchmarks show that, under the same privacy constraints, FedSEPT achieves a better trade-off between local adaptation and global generalization than strong baselines.

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