<p>Developing multifunctional textiles with directional liquid transport and UV protection is vital for outdoor comfort and skin health. Inspired by the structure of human skin, a bioinspired skin-like fabric was constructed via a combination of layer-by-layer self-assembly of CeO₂ nanoparticles (CeO₂ NPs) and selective polydimethylsiloxane (PDMS) spraying to build an asymmetric wettability gradient through the fabric thickness. This skin-like structure facilitates directional liquid transport (<i>R</i> = 327%), while preserving excellent water vapor transmission (9.27&#xa0;kg&#xa0;m⁻² d⁻¹), thereby ensuring thermal–moisture comfort. The uniformly anchored CeO₂ nanoparticles provide efficient UV shielding, with transmittance reduced below 5% (UVA) and 1% (UVB), and suppress photodegradation comparable to commercial sunscreens without organic filters or surfactants. This green and sustainable approach offers a robust platform for next-generation functional fabrics in summer sportswear and protective clothing.</p>