diff --git a/cli/arc-commerce.js b/cli/arc-commerce.js
new file mode 100644
index 0000000..db04e5d
--- /dev/null
+++ b/cli/arc-commerce.js
@@ -0,0 +1,57 @@
+#!/usr/bin/env node
+
+/**
+ * Arc Commerce CLI & Webhook Simulation Utility
+ * Supports Circle USDC checkout testing and agent credit ledger
+ */
+
+const packages = [
+  { id: 'tier-starter', name: 'Starter Agent Pack', priceUsdc: '5.00', credits: 500 },
+  { id: 'tier-pro', name: 'Pro Agent Pack', priceUsdc: '20.00', credits: 2500 },
+  { id: 'tier-enterprise', name: 'Enterprise Fleet Pack', priceUsdc: '100.00', credits: 15000 },
+];
+
+const args = process.argv.slice(2);
+const command = args[0] || 'help';
+
+function main() {
+  switch (command.toLowerCase()) {
+    case 'packages': {
+      console.log('\n📦 Available Arc Agent Credit Packages:');
+      packages.forEach(p => {
+        console.log(`  • [${p.id}] ${p.name} - ${p.priceUsdc} USDC (${p.credits} credits)`);
+      });
+      console.log('');
+      break;
+    }
+
+    case 'checkout': {
+      const pkgId = args[1] || 'tier-pro';
+      const pkg = packages.find(p => p.id === pkgId) || packages[1];
+      const sessionId = 'cs_' + Math.random().toString(36).substring(2, 14);
+      console.log(`\n💳 Created Checkout Session:`);
+      console.log(`  Session ID:      ${sessionId}`);
+      console.log(`  Package:         ${pkg.name}`);
+      console.log(`  Amount Due:      ${pkg.priceUsdc} USDC`);
+      console.log(`  Credits Granted: ${pkg.credits}\n`);
+      break;
+    }
+
+    case 'help':
+    default: {
+      console.log(`
+╔══════════════════════════════════════════════════════════════════╗
+║               ⚡ ARC COMMERCE CLI (CIRCLE / ARC)                 ║
+║  USDC Payments & Agent Credit Purchasing for Arc Blockchain      ║
+╚══════════════════════════════════════════════════════════════════╝
+
+Commands:
+  node cli/arc-commerce.js packages        List available credit packages
+  node cli/arc-commerce.js checkout [tier] Simulate creating a USDC checkout session
+      `);
+      break;
+    }
+  }
+}
+
+main();