SAREO-FM: Decoupled Semantic Supervision for SAR-EO Foundation Models

Synthetic aperture radar (SAR) and electro-optical (EO) imagery provide complementary observations: SAR enables day-and-night, weather-resilient sensing, whereas EO provides rich appearance and fine-grained semantic cues. We introduce SAREO-FM, which avoids forcing a single token stream to serve two distinct roles: modality tokens preserve how each sensor observes the scene through masked reconstruction, while learnable semantic queries capture what the scene contains under guidance from a pretrained vision foundation model (VFM). By jointly encoding these queries with SAR and EO tokens, the queries acquire modality-grounded semantic context, while the modality-token outputs remain the explicit targets of masked reconstruction. This design assigns semantic and reconstruction supervision to separate token streams while preserving their interaction within the shared encoder. Pretrained on the million-scale SAR-1M corpus, SAREO-FM achieves state-of-the-art unimodal transfer for both SAR-only and EO-only inputs, while delivering substantial gains from joint SAR-EO observations on tasks that benefit from complementary sensing.