Exploring single‐atom (SA) catalysts in hybrid urea‐assisted water electrolysis offers a viable alternative to both Hydrogen (H2) generation and polluted water treatment. However, the unfavorable electronic stabilization, low SA content, intrinsically slow kinetics, and imbalanced adsorption‐desorption steps are the bottleneck for its scale‐up implementation. Herein, a rare‐earth Terbium single atom (TbSA) is topologically stabilized on defect‐rich Co3O4 (TbSA@d‐Co3O4) by Tb─O co‐ordination for urea oxidation reaction (UOR) and H2 evolution reaction (HER). Benefitting from the strong TbSA interaction with the d‐Co3O4, the TbSA@d‐Co3O4 achieves a 10 mA cm−2 current density at 1.27 V and −35 mV for UOR and HER, respectively. Remarkably, when TbSA@d‐Co3O4 is applied as a bi‐functional catalyst in a two‐electrode system, it merely requires 1.22 V to acquire 10 mA cm−2 with excellent operational stability for 100 h. The hybrid electrolyzer can be successfully empowered by the triboelectric nanogenerator, AA battery, and solar panel with a nominal potential of 1.5 V. The mechanistic investigation predicts “TbSA” insertion in d‐Co3O4 lowered the potential determining step, attributed to balanced reaction energetics for adsorption‐desorption of intermediates and favorable charge transfer characteristics for UOR. This work offers a new paradigm to explore the catalytic properties of rare‐earth “f‐block” elements to create advanced electrocatalysts via structural modulation.