In light of the escalating requisites for portability, functionality, comfort, and health in electronic apparatus, the imperative advancement of sophisticated multifunctional textile-based triboelectric nanogenerators (textile-TENGs) is underscored. This research delineates the fabrication of an innovative multifunctional textile-TENG, comprising a photosensitive stratum aimed at thermal regulation and photothermal therapy, alongside a tribo-negative nanofiber film adorning its verso. Exhibiting superlative electrical prowess, the textile-TENG generates remarkably elevated outputs over a wide temperature range, thereby facilitating the efficacious conversion of kinetic energy derived from human motion into electrical energy. Concurrently, the device manifests an exceptional photothermal conversion efficiency, achieving instantly modifiable saturation temperatures (41.52–60.97 °C) under diverse solar exposures, rendering it eminently suitable for a broad spectrum of applications in thermal therapy and regulation domains. Significantly, within cold environments, the textile-TENG demonstrates a capability to augment temperature by approximately 7.4 °C, markedly surpassing conventional cotton textiles in performance. In summation, the textile-TENG is characterized by its unparalleled electromechanical attributes and photothermal conversion efficacies, concurrently facilitating thermal regulation, therapy, and electricity generation. This investigation not only furnishes a referential methodology for the development of advanced multifunctional textile devices but also substantially expands the conceivable application ambit of textile-based technologies.