Peridynamics (PD), a non-local Lagrangian formulation notable for its ability to model discontinuities, is widely used in solid mechanics but remains underdeveloped for fluid dynamics and fluid–solid interaction (FSI). This work introduces a unified PD framework for fully coupled thermal FSI problems involving fracture. Both fluid and solid domains are discretized as particle systems: solids are treated with a total-Lagrangian description, while fluids are modeled using a novel semi-Lagrangian formulation with non-local differential operators to solve the Navier–Stokes equations under large deformation. A robust two-way coupling, achieved via a fictitious point method, ensures accurate transfer of thermal and mechanical loads across dynamically evolving discontinuous interfaces and naturally accommodates fluid intrusion into cracks. The computational framework is accelerated using Graphics Processing Units (GPUs), enabling large-scale three-dimensional simulations with up to three million material points. Demonstrated through Rayleigh–Bénard convection and quenching examples, the framework proves robust in modeling complex thermal FSI with concurrent fracture. By unifying solids and fluids within a single non-local paradigm, this work extends PD to large-scale, discontinuous multiphysics phenomena.