arXiv:2604.22885v1 Announce Type: new Abstract: Federated cross-modal retrieval faces severe challenges from heterogeneous client data, particularly non-IID semantic distributions and missing modalities. Under such heterogeneity, a single global model is often insufficient to capture both shared cross-modal knowledge and client-specific characteristics. We propose RCSR, a personalization-friendly federated framework that integrates prototype anchoring, retrieval-centric semantic routing, and optional client-specific adapters. Built on a frozen CLIP backbone, RCSR leverages lightweight shared adapters for global knowledge transfer while supporting efficient local personalization. Prototype anchoring helps unimodal clients align with global cross-modal semantics, and a server-side semantic router adaptively assigns aggregation weights based on retrieval consistency to mitigate alignment drift during heterogeneous updates. Extensive experiments on MS-COCO, Flickr30K, and other benchmarks show that RCSR consistently improves global retrieval accuracy and training stability, while further enhancing client-level retrieval performance, especially for clients with incomplete modalities. Code is available at https://github.com/RezinChow/RCSR-Retrieval-Centric-Semantic-Routing.