arXiv:2611.09708v1 Announce Type: new Abstract: Wearable haptic interfaces deliver physical stimuli to the skin, yet perceived locations vary widely across users and diverge from actuator locations, particularly for emergent tactile-feedback techniques. We developed a wearable haptic input/output (I/O) device integrating a 36-channel electrotactile array with capacitive touch sensing, enabling stimulation and user-reported percept locations to be registered within the same body-referenced coordinate frame. In 24 participants, the device revealed electrotactile and referred-thermal perceptual maps with notable interparticipant variability. Despite this variability, both modalities retained electrode-pair-specific spatial structure across participants. Tactile and thermal percepts also showed spatial correspondence, whose strength varied across participants. These findings motivated our human-in-the-loop calibration framework, which adapts a forward-prediction strategy to individual users and generates personalized perceptual models. These models enabled inverse rendering by selecting stimulation patterns predicted to generate a target percept for a specific user. Using these models, we demonstrate personalized haptic rendering in haptic-guided robot teleoperation, visual-to-haptic sensory substitution, interpersonal haptic communication, and virtual reality (VR). Together, this platform provides a route toward adaptive haptic interfaces that measure, model, and render according to each user's perception.