diff --git a/src/core-skills/bmad-customize/SKILL.md b/src/core-skills/bmad-customize/SKILL.md
new file mode 100644
index 000000000..ada4bac99
--- /dev/null
+++ b/src/core-skills/bmad-customize/SKILL.md
@@ -0,0 +1,130 @@
+---
+name: bmad-customize
+description: Help users author or update {project-root}/_bmad/custom overrides for customizable skills. Use when the user says 'customize bmad', 'override a skill', 'change agent behavior', 'customize a workflow', or asks how to change the behavior of a specific BMad skill.
+---
+
+# BMad Customize
+
+## Purpose
+
+Translate a user's intent ("I want X to behave differently") into a correctly-placed TOML override file in `{project-root}/_bmad/custom/`. Walk them through discovery when they're exploring, route them to the right surface (agent vs workflow) when the ask is ambiguous, author the override conversationally, and verify the merge landed.
+
+Scope for this version: per-skill **agent** overrides (`bmad-agent-<role>.toml` / `.user.toml`) and per-skill **workflow** overrides (`bmad-<workflow>.toml` / `.user.toml`). Central config (`{project-root}/_bmad/custom/config.toml`) is out of scope — flag it and point the user at `docs/how-to/customize-bmad.md` if their ask lives there.
+
+## Desired Outcomes
+
+When this skill completes, the user should:
+
+1. **Understand their target's customization surface** — which fields are exposed, what's already overridden, what isn't customizable at all
+2. **Know which surface to use** — agent-level (broad, cross-workflow) vs workflow-level (surgical, single workflow), with the tradeoff made explicit when it's ambiguous
+3. **End with a written, verified override** — the TOML file exists at the right path and the resolver confirms the merge produced the intended behavior
+4. **Feel confident iterating** — know where the file lives, what each field does, and how to adjust it later
+
+## Role
+
+Act as a customization guide. Trust the user's domain knowledge; your job is to map their intent onto the right TOML shape and placement. When the target's `customize.toml` doesn't expose what they need, say so plainly and offer realistic alternatives — don't invent fields that don't exist.
+
+## On Activation
+
+Load available config from `{project-root}/_bmad/config.yaml` and `{project-root}/_bmad/config.user.yaml` (root level). Defaults if missing: `user_name` (BMad), `communication_language` (English). Greet the user and acknowledge the topic.
+
+Treat the user's invoking message as initial intent. Skip discovery if they already named a target skill AND a specific change — go straight to Step 3.
+
+## Flow
+
+### Step 1: Classify intent
+
+Read what the user said on invocation:
+
+- **Directed** — Named a specific skill AND a specific change. Capture the pair, jump to Step 3.
+- **Exploratory** — General ask ("what can I customize?"). Go to Step 2.
+- **Cross-cutting** — Described a change that could live on multiple surfaces ("I want a compliance check before any planning workflow"). Go to Step 3 with extra routing care.
+
+### Step 2: Discovery (exploratory only)
+
+Run:
+
+```
+python3 {skill-root}/scripts/list_customizable_skills.py --project-root {project-root}
+```
+
+Present the returned list grouped by type (agents, workflows). For each entry show: skill name, one-line description, whether an override already exists in `{project-root}/_bmad/custom/`. Ask the user which one they want to customize. If their initial ask hints at a target, surface the likely match first.
+
+If the scanner returns nothing, the project has no customizable skills installed — tell the user and stop.
+
+### Step 3: Determine the right surface
+
+Read the target skill's `customize.toml` live — that file IS the schema. The top-level block (`[agent]` or `[workflow]`) tells you the surface type.
+
+When the user's intent could be satisfied at either the agent or the workflow layer, apply this heuristic:
+
+**Workflow-level is better when:**
+
+- The change is a template swap, output path, step toggle, or behavior specific to one workflow
+- The user wants the change to ONLY affect that workflow
+- The knob they want is already exposed as a named scalar (e.g. `prd_template`, `on_complete`)
+- Surgical changes are inherently more reliable than broad ones
+
+**Agent-level is better when:**
+
+- The change should apply to every workflow that agent dispatches (persona, communication style, org-wide persistent facts)
+- The user wants menu customization
+- Multiple workflows need the same behavior and the same agent runs all of them
+
+When ambiguous, present both options with the tradeoff, recommend one, let the user pick.
+
+If the intent lives outside the exposed surface entirely (core workflow logic, step ordering, behavior not in `customize.toml`), say so plainly. Offer realistic alternatives: approximate via `activation_steps_prepend` / `activation_steps_append` / `persistent_facts`, fork the skill, or open a feature request to expose the knob.
+
+### Step 4: Compose the override
+
+Walk the user through the relevant fields from the target's `customize.toml` and translate their plain-English intent into TOML. Apply the merge semantics correctly:
+
+- **Scalars** (`icon`, `role`, `*_template`, `on_complete`, etc.) — override wins
+- **Append-only arrays** (`persistent_facts`, `activation_steps_prepend`, `activation_steps_append`, `principles`) — team/user entries append to base defaults in order
+- **Keyed arrays of tables** (menu items with `code` or `id`) — matching keys replace in place; new keys append
+
+The override must be **sparse**: only include fields being changed. Never copy the full `customize.toml` — that locks in old defaults and silently drifts on every release.
+
+**Template-swap subroutine** — when the user wants to replace a `*_template` scalar:
+
+1. Find the default template path from the target's `customize.toml` (bare paths resolve under the skill's installed directory).
+2. Offer to scaffold a copy at `{project-root}/_bmad/custom/{skill-name}-{purpose}-template.md`, seeded with the default's contents.
+3. Point the override at the new path: `{purpose}_template = "{project-root}/_bmad/custom/{skill-name}-{purpose}-template.md"`.
+4. Offer to help the user edit the new template with the changes they described.
+
+### Step 5: Team or user placement
+
+Two destinations are possible under `{project-root}/_bmad/custom/`:
+
+- `{skill-name}.toml` — **team** scope, committed to git. Use for policies, org conventions, compliance rules, anything that should apply to everyone on the project.
+- `{skill-name}.user.toml` — **user** scope, gitignored. Use for personal preferences — tone, private facts, personal workflow shortcuts.
+
+Default the choice based on the change's character (policy → team, personal → user) and confirm with the user before writing.
+
+### Step 6: Show, confirm, write, verify
+
+1. **Show** the full TOML block that will be written. If the target file already exists, present a clear diff of what's being added or changed. Never silently overwrite.
+2. **Confirm** explicitly — wait for yes before writing.
+3. **Write** to the chosen path. Create `{project-root}/_bmad/custom/` if it doesn't exist.
+4. **Verify** by running the resolver against the target skill's installed path:
+
+   ```
+   python3 {project-root}/_bmad/scripts/resolve_customization.py --skill <install-path> --key <agent-or-workflow>
+   ```
+
+   Display the merged output and point out the fields that changed so the user sees their override took effect.
+5. **Close the loop** — summarize what changed, where the file lives, and how to iterate. For team overrides, remind the user to commit the file to git.
+
+## When This Skill Can't Help
+
+Say so clearly:
+
+- **Central config** (`{project-root}/_bmad/custom/config.toml` — agent roster, install answers) is not covered by this version. Point the user at `docs/how-to/customize-bmad.md`.
+- **Changes to step logic, step ordering, or behavior not exposed in `customize.toml`** require forking or a feature request.
+- **Skills without a `customize.toml`** are not customizable — fork is the only path.
+
+## Notes
+
+- Override files are sparse. Everything omitted inherits from the layer below (base → team → user).
+- IDE install paths vary (`.claude/skills/`, `.cursor/skills/`, `.cline/skills/`, `.continue/skills/`). The scanner covers these.
+- Full reference on the customization surface, merge rules, and central config lives in `docs/how-to/customize-bmad.md`.
diff --git a/src/core-skills/bmad-customize/scripts/list_customizable_skills.py b/src/core-skills/bmad-customize/scripts/list_customizable_skills.py
new file mode 100644
index 000000000..37436b5b6
--- /dev/null
+++ b/src/core-skills/bmad-customize/scripts/list_customizable_skills.py
@@ -0,0 +1,173 @@
+#!/usr/bin/env python3
+# /// script
+# requires-python = ">=3.11"
+# ///
+"""Enumerate customizable BMad skills installed in a project.
+
+Scans the standard IDE skill install locations under a project root, finds
+every directory containing a `customize.toml`, classifies each as agent and/or
+workflow based on its top-level blocks, reads the skill's SKILL.md frontmatter
+description for a one-liner, and checks whether override files already exist
+in `{project-root}/_bmad/custom/`.
+
+Output: JSON to stdout. Exit 0 on success (including empty result), 2 on error.
+"""
+
+from __future__ import annotations
+
+import argparse
+import json
+import re
+import sys
+import tomllib
+from pathlib import Path
+
+# IDE skill install locations, relative to project root.
+SKILL_ROOTS = (
+    ".claude/skills",
+    ".cursor/skills",
+    ".cline/skills",
+    ".continue/skills",
+)
+
+# Top-level TOML blocks that indicate a customization surface.
+SURFACE_KEYS = ("agent", "workflow")
+
+FRONTMATTER_RE = re.compile(r"^---\s*\n(.*?)\n---\s*\n", re.DOTALL)
+
+
+def read_frontmatter_description(skill_md: Path) -> str:
+    """Extract the `description:` value from a SKILL.md YAML frontmatter block.
+
+    Returns an empty string if the file is missing, unreadable, or has no
+    description field. Intentionally permissive — this is metadata for a
+    human-facing list, not a validation target.
+    """
+    if not skill_md.is_file():
+        return ""
+    try:
+        text = skill_md.read_text(encoding="utf-8")
+    except OSError:
+        return ""
+    m = FRONTMATTER_RE.match(text)
+    if not m:
+        return ""
+    for line in m.group(1).splitlines():
+        stripped = line.strip()
+        if stripped.startswith("description:"):
+            value = stripped[len("description:") :].strip()
+            # Strip surrounding quotes if present.
+            if (value.startswith("'") and value.endswith("'")) or (
+                value.startswith('"') and value.endswith('"')
+            ):
+                value = value[1:-1]
+            return value
+    return ""
+
+
+def load_customize(toml_path: Path) -> dict | None:
+    """Return the parsed TOML, or None if unreadable."""
+    try:
+        with toml_path.open("rb") as f:
+            return tomllib.load(f)
+    except (OSError, tomllib.TOMLDecodeError):
+        return None
+
+
+def scan_project(project_root: Path) -> dict:
+    """Walk the standard skill locations and collect customizable skills."""
+    agents: list[dict] = []
+    workflows: list[dict] = []
+    errors: list[str] = []
+    scanned_roots: list[str] = []
+    custom_dir = project_root / "_bmad" / "custom"
+
+    for rel_root in SKILL_ROOTS:
+        root = project_root / rel_root
+        if not root.is_dir():
+            continue
+        scanned_roots.append(str(root))
+
+        for skill_dir in sorted(p for p in root.iterdir() if p.is_dir()):
+            customize_toml = skill_dir / "customize.toml"
+            if not customize_toml.is_file():
+                continue
+
+            data = load_customize(customize_toml)
+            if data is None:
+                errors.append(f"failed to parse {customize_toml}")
+                continue
+
+            skill_name = skill_dir.name
+            description = read_frontmatter_description(skill_dir / "SKILL.md")
+            team_override = custom_dir / f"{skill_name}.toml"
+            user_override = custom_dir / f"{skill_name}.user.toml"
+
+            entry_base = {
+                "name": skill_name,
+                "install_path": str(skill_dir),
+                "ide_root": rel_root,
+                "description": description,
+                "has_team_override": team_override.is_file(),
+                "has_user_override": user_override.is_file(),
+                "team_override_path": str(team_override),
+                "user_override_path": str(user_override),
+            }
+
+            # A skill may expose an agent surface, a workflow surface, or
+            # both. Emit one entry per surface so the caller can group cleanly.
+            surfaces_found = [k for k in SURFACE_KEYS if k in data]
+            if not surfaces_found:
+                errors.append(
+                    f"no [agent] or [workflow] block in {customize_toml}"
+                )
+                continue
+            for surface in surfaces_found:
+                entry = dict(entry_base)
+                entry["surface"] = surface
+                if surface == "agent":
+                    agents.append(entry)
+                else:
+                    workflows.append(entry)
+
+    return {
+        "project_root": str(project_root),
+        "scanned_roots": scanned_roots,
+        "custom_dir": str(custom_dir),
+        "agents": agents,
+        "workflows": workflows,
+        "errors": errors,
+    }
+
+
+def parse_args(argv: list[str]) -> argparse.Namespace:
+    parser = argparse.ArgumentParser(
+        description=(
+            "List customizable BMad skills installed under a project, grouped "
+            "by surface (agent vs workflow), with override status."
+        )
+    )
+    parser.add_argument(
+        "--project-root",
+        required=True,
+        help="Absolute path to the project root (the folder containing _bmad/).",
+    )
+    return parser.parse_args(argv)
+
+
+def main(argv: list[str]) -> int:
+    args = parse_args(argv)
+    project_root = Path(args.project_root).expanduser().resolve()
+    if not project_root.is_dir():
+        print(
+            f"error: project-root does not exist or is not a directory: {project_root}",
+            file=sys.stderr,
+        )
+        return 2
+    result = scan_project(project_root)
+    print(json.dumps(result, indent=2, sort_keys=True))
+    return 0
+
+
+if __name__ == "__main__":
+    sys.exit(main(sys.argv[1:]))
diff --git a/src/core-skills/bmad-customize/scripts/tests/test_list_customizable_skills.py b/src/core-skills/bmad-customize/scripts/tests/test_list_customizable_skills.py
new file mode 100644
index 000000000..ed2ffdbe4
--- /dev/null
+++ b/src/core-skills/bmad-customize/scripts/tests/test_list_customizable_skills.py
@@ -0,0 +1,192 @@
+#!/usr/bin/env python3
+# /// script
+# requires-python = ">=3.11"
+# ///
+"""Unit tests for list_customizable_skills.py.
+
+Exercises the scanner against a synthesized project tree:
+- an agent-only customize.toml
+- a workflow-only customize.toml
+- a customize.toml that exposes both surfaces
+- a skill directory with no customize.toml (ignored)
+- a pre-existing team override in _bmad/custom/
+- malformed TOML (surfaces as an error without aborting)
+
+Run: python3 scripts/tests/test_list_customizable_skills.py
+"""
+
+from __future__ import annotations
+
+import importlib.util
+import json
+import subprocess
+import sys
+import tempfile
+import unittest
+from pathlib import Path
+
+SCRIPT = Path(__file__).resolve().parent.parent / "list_customizable_skills.py"
+
+
+def _load_module():
+    spec = importlib.util.spec_from_file_location("list_customizable_skills", SCRIPT)
+    module = importlib.util.module_from_spec(spec)
+    spec.loader.exec_module(module)  # type: ignore[union-attr]
+    return module
+
+
+MODULE = _load_module()
+
+
+def _make_skill(parent: Path, name: str, body: str, skill_md: str | None = None) -> Path:
+    skill_dir = parent / name
+    skill_dir.mkdir(parents=True, exist_ok=True)
+    (skill_dir / "customize.toml").write_text(body, encoding="utf-8")
+    if skill_md is not None:
+        (skill_dir / "SKILL.md").write_text(skill_md, encoding="utf-8")
+    return skill_dir
+
+
+class ScannerTest(unittest.TestCase):
+    def setUp(self):
+        self.tmp = tempfile.TemporaryDirectory()
+        self.root = Path(self.tmp.name)
+        self.claude = self.root / ".claude" / "skills"
+        self.claude.mkdir(parents=True)
+        self.custom = self.root / "_bmad" / "custom"
+        self.custom.mkdir(parents=True)
+
+    def tearDown(self):
+        self.tmp.cleanup()
+
+    def test_agent_only_skill_detected(self):
+        _make_skill(
+            self.claude,
+            "bmad-agent-pm",
+            "[agent]\nicon = \"🧠\"\n",
+            "---\nname: bmad-agent-pm\ndescription: Product manager.\n---\n",
+        )
+        result = MODULE.scan_project(self.root)
+        self.assertEqual(len(result["agents"]), 1)
+        self.assertEqual(len(result["workflows"]), 0)
+        entry = result["agents"][0]
+        self.assertEqual(entry["name"], "bmad-agent-pm")
+        self.assertEqual(entry["surface"], "agent")
+        self.assertEqual(entry["description"], "Product manager.")
+        self.assertFalse(entry["has_team_override"])
+        self.assertFalse(entry["has_user_override"])
+
+    def test_workflow_only_skill_detected(self):
+        _make_skill(
+            self.claude,
+            "bmad-create-prd",
+            "[workflow]\npersistent_facts = []\n",
+            "---\nname: bmad-create-prd\ndescription: 'Create a PRD.'\n---\n",
+        )
+        result = MODULE.scan_project(self.root)
+        self.assertEqual(len(result["agents"]), 0)
+        self.assertEqual(len(result["workflows"]), 1)
+        entry = result["workflows"][0]
+        self.assertEqual(entry["description"], "Create a PRD.")
+
+    def test_dual_surface_skill_emits_two_entries(self):
+        _make_skill(
+            self.claude,
+            "bmad-dual",
+            "[agent]\nicon = \"x\"\n\n[workflow]\npersistent_facts = []\n",
+            "---\nname: bmad-dual\ndescription: Dual.\n---\n",
+        )
+        result = MODULE.scan_project(self.root)
+        self.assertEqual(len(result["agents"]), 1)
+        self.assertEqual(len(result["workflows"]), 1)
+        self.assertEqual(result["agents"][0]["name"], "bmad-dual")
+        self.assertEqual(result["workflows"][0]["name"], "bmad-dual")
+
+    def test_skill_without_customize_toml_ignored(self):
+        (self.claude / "bmad-plain").mkdir()
+        (self.claude / "bmad-plain" / "SKILL.md").write_text("# plain\n")
+        result = MODULE.scan_project(self.root)
+        self.assertEqual(len(result["agents"]) + len(result["workflows"]), 0)
+        self.assertEqual(result["errors"], [])
+
+    def test_existing_team_override_flagged(self):
+        _make_skill(
+            self.claude,
+            "bmad-agent-pm",
+            "[agent]\nicon = \"x\"\n",
+            "---\nname: bmad-agent-pm\ndescription: PM.\n---\n",
+        )
+        (self.custom / "bmad-agent-pm.toml").write_text("[agent]\n")
+        result = MODULE.scan_project(self.root)
+        entry = result["agents"][0]
+        self.assertTrue(entry["has_team_override"])
+        self.assertFalse(entry["has_user_override"])
+
+    def test_missing_surface_block_reports_error(self):
+        _make_skill(self.claude, "bmad-broken", "[not_a_surface]\nfoo = 1\n")
+        result = MODULE.scan_project(self.root)
+        self.assertEqual(len(result["agents"]) + len(result["workflows"]), 0)
+        self.assertEqual(len(result["errors"]), 1)
+        self.assertIn("no [agent] or [workflow] block", result["errors"][0])
+
+    def test_malformed_toml_reports_error_without_aborting(self):
+        skill_dir = self.claude / "bmad-bad"
+        skill_dir.mkdir()
+        (skill_dir / "customize.toml").write_text("this is not [valid toml\n")
+        # Plus a good sibling to confirm scanning continues.
+        _make_skill(
+            self.claude,
+            "bmad-good",
+            "[agent]\nicon = \"x\"\n",
+            "---\nname: bmad-good\ndescription: Good.\n---\n",
+        )
+        result = MODULE.scan_project(self.root)
+        self.assertEqual(len(result["agents"]), 1)
+        self.assertEqual(len(result["agents"][0]["name"]), len("bmad-good"))
+        self.assertTrue(any("failed to parse" in e for e in result["errors"]))
+
+    def test_description_with_double_quotes_stripped(self):
+        _make_skill(
+            self.claude,
+            "bmad-q",
+            "[agent]\nicon = \"x\"\n",
+            '---\nname: bmad-q\ndescription: "Double-quoted desc."\n---\n',
+        )
+        result = MODULE.scan_project(self.root)
+        self.assertEqual(result["agents"][0]["description"], "Double-quoted desc.")
+
+    def test_cli_emits_valid_json_and_exits_zero(self):
+        _make_skill(
+            self.claude,
+            "bmad-agent-pm",
+            "[agent]\nicon = \"x\"\n",
+            "---\nname: bmad-agent-pm\ndescription: PM.\n---\n",
+        )
+        proc = subprocess.run(
+            [sys.executable, str(SCRIPT), "--project-root", str(self.root)],
+            capture_output=True,
+            text=True,
+            check=False,
+        )
+        self.assertEqual(proc.returncode, 0, proc.stderr)
+        payload = json.loads(proc.stdout)
+        self.assertEqual(len(payload["agents"]), 1)
+
+    def test_cli_exits_two_on_missing_project_root(self):
+        proc = subprocess.run(
+            [
+                sys.executable,
+                str(SCRIPT),
+                "--project-root",
+                str(self.root / "does-not-exist"),
+            ],
+            capture_output=True,
+            text=True,
+            check=False,
+        )
+        self.assertEqual(proc.returncode, 2)
+        self.assertIn("does not exist", proc.stderr)
+
+
+if __name__ == "__main__":
+    unittest.main()
diff --git a/src/core-skills/module-help.csv b/src/core-skills/module-help.csv
index efa081372..e0eb5e5e7 100644
--- a/src/core-skills/module-help.csv
+++ b/src/core-skills/module-help.csv
@@ -10,3 +10,4 @@ Core,bmad-editorial-review-structure,Editorial Review - Structure,ES,Use when do
 Core,bmad-review-adversarial-general,Adversarial Review,AR,"Use for quality assurance or before finalizing deliverables. Code Review in other modules runs this automatically, but also useful for document reviews.",[path],anytime,,,false,,
 Core,bmad-review-edge-case-hunter,Edge Case Hunter Review,ECH,Use alongside adversarial review for orthogonal coverage — method-driven not attitude-driven.,[path],anytime,,,false,,
 Core,bmad-distillator,Distillator,DG,Use when you need token-efficient distillates that preserve all information for downstream LLM consumption.,[path],anytime,,,false,adjacent to source document or specified output_path,distillate markdown file(s)
+Core,bmad-customize,BMad Customize,BC,Use to author or update _bmad/custom TOML overrides for customizable agents and workflows.,,anytime,,,false,{project-root}/_bmad/custom,TOML override files