Photo-thermal catalysis represents a promising strategy to improve the sustainability of chemical transformations by integrating light and heat into a single process. However, materials featuring excellent harvesting and utilization of solar energy are still needed. Here, we report a photo-thermal catalyst architecture based on carbon-coated urchin-like silica nanospheres (KCC-1) decorated with Ru nanoparticles that maximizes light absorption and heat confinement. The composite material exhibits outstanding catalytic activity towards photo-thermal ammonia decomposition and CO2 hydrogenation reactions, outperforming most traditional Ru-based thermal catalysts. The insulating nature of silica is hypothesized to help minimize heat loss via conduction, while its high surface area enables excellent metal dispersion. Additionally, the deposition of a carbon layer further enhances both photon absorption and light-to-heat conversion. Mechanistic experiments suggest the co-existence of thermal and non-thermal effects, with light playing a crucial role in facilitating the desorption of H2 and N2 from the surface of the catalyst. Overall, these results demonstrate that the rational design of catalysts combining effective heat insulators and broad light absorbers is crucial to optimizing catalytic performance in photo-thermal systems.