diff --git a/packages/@n8n/agents/src/index.ts b/packages/@n8n/agents/src/index.ts
index 44bdd8d922b..ca5a3e41fa3 100644
--- a/packages/@n8n/agents/src/index.ts
+++ b/packages/@n8n/agents/src/index.ts
@@ -241,6 +241,8 @@ export type {
 	RuntimeSkillLoader,
 	RuntimeSkillMcpServerDependency,
 	RuntimeSkillPolicyContract,
+	RuntimeSkillReferenceContract,
+	RuntimeSkillReferenceLocation,
 	RuntimeSkillRegistry,
 	RuntimeSkillRegistryEntry,
 	RuntimeSkillSource,
diff --git a/packages/@n8n/agents/src/runtime/__tests__/active-skills.test.ts b/packages/@n8n/agents/src/runtime/__tests__/active-skills.test.ts
index 7e357c0fe50..62f329d6a00 100644
--- a/packages/@n8n/agents/src/runtime/__tests__/active-skills.test.ts
+++ b/packages/@n8n/agents/src/runtime/__tests__/active-skills.test.ts
@@ -111,6 +111,51 @@ describe('active skills', () => {
 		]);
 	});
 
+	it('restores a reference loaded by its owner file path', async () => {
+		const referenceSource = createRuntimeSkillSource([
+			{
+				id: 'builder',
+				name: 'builder',
+				description: 'Build workflows.',
+				instructions: 'Build one workflow.',
+			},
+			{
+				id: 'models',
+				name: 'models',
+				description: 'Load before choosing a model.',
+				instructions: 'Model rules.',
+				parents: ['builder'],
+				reference: { owner: 'builder', path: 'references/models.md' },
+				dependencies: { tools: ['searchModels'] },
+			},
+		]);
+		const memory = new InMemoryMemory();
+		const list = new AgentMessageList();
+		list.addHistory([
+			{
+				role: 'assistant',
+				content: [
+					{
+						type: 'tool-call',
+						toolName: 'load_skill',
+						toolCallId: 'reference-load',
+						input: { skillId: 'builder', filePath: 'references/models.md' },
+						state: 'resolved',
+						output: { type: 'content', value: [{ type: 'text', text: 'Model rules.' }] },
+					},
+				],
+			},
+		]);
+		const active = new ActiveSkills(referenceSource, 'assistant', memory.skillState);
+
+		await active.restore(list, scope);
+
+		expect(list.activeSkillIds).toEqual(['models']);
+		expect(JSON.stringify(active.modelMessages(list.forLlm('').messages, list))).toContain(
+			'[Reference of: \\"builder\\"]',
+		);
+	});
+
 	it('recovers a skill into the system block once observation masks its load', async () => {
 		const memory = new InMemoryMemory();
 		const list = new AgentMessageList();
diff --git a/packages/@n8n/agents/src/runtime/skills/active-skills.ts b/packages/@n8n/agents/src/runtime/skills/active-skills.ts
index 66a356fec7e..d82042438fe 100644
--- a/packages/@n8n/agents/src/runtime/skills/active-skills.ts
+++ b/packages/@n8n/agents/src/runtime/skills/active-skills.ts
@@ -1,6 +1,6 @@
 import type { ModelMessage, ToolResultPart } from 'ai';
 
-import { formatActiveSkill } from '../../skills/tools';
+import { findReferenceByPath, formatActiveSkill } from '../../skills/tools';
 import {
 	SKILL_LOAD_TOOL_NAME,
 	type RuntimeSkillContent,
@@ -240,7 +240,7 @@ export class ActiveSkills {
 	private formatSkill(skillId: string): string | undefined {
 		const skill = this.loaded.get(skillId);
 		const entry = this.source.registry.skills.find((candidate) => candidate.id === skillId);
-		return skill && entry ? formatActiveSkill(skill, entry) : undefined;
+		return skill && entry ? formatActiveSkill(skill, entry, this.source.registry) : undefined;
 	}
 
 	private recordedLoads(list: AgentMessageList): Map<string, string> {
@@ -263,14 +263,20 @@ export class ActiveSkills {
 					continue;
 				if (part.output.success !== true && part.output.type !== 'content') continue;
 				const { skillId, name, filePath } = part.input;
-				if (typeof filePath === 'string' && !['', '/', '.', 'SKILL.md'].includes(filePath.trim()))
-					continue;
 				const requested =
 					typeof skillId === 'string' ? skillId : typeof name === 'string' ? name : undefined;
 				if (!requested) continue;
 				const entry = this.source.registry.skills.find(
 					(skill) => skill.id === requested || skill.name === requested,
 				);
+				if (typeof filePath === 'string' && !['', '/', '.', 'SKILL.md'].includes(filePath.trim())) {
+					// Only a path to a reference skill is an activation; other linked files are plain reads.
+					const reference = entry
+						? findReferenceByPath(this.source.registry, entry.id, filePath)
+						: undefined;
+					if (reference) loads.set(part.toolCallId, reference.id);
+					continue;
+				}
 				loads.set(part.toolCallId, entry?.id ?? requested);
 			}
 		}
diff --git a/packages/@n8n/agents/src/skills/__tests__/runtime-skills.test.ts b/packages/@n8n/agents/src/skills/__tests__/runtime-skills.test.ts
index 15c83b1dd74..6bad6a12a90 100644
--- a/packages/@n8n/agents/src/skills/__tests__/runtime-skills.test.ts
+++ b/packages/@n8n/agents/src/skills/__tests__/runtime-skills.test.ts
@@ -733,3 +733,277 @@ Use the workflow SDK.`,
 		);
 	});
 });
+
+describe('reference skills', () => {
+	let root: string;
+
+	beforeEach(() => {
+		root = mkdtempSync(join(tmpdir(), 'n8n-reference-skills-'));
+	});
+
+	afterEach(() => {
+		rmSync(root, { recursive: true, force: true });
+	});
+
+	function writeSkill(dir: string, frontmatter: string, body: string) {
+		mkdirSync(join(root, dir, 'references'), { recursive: true });
+		writeFileSync(join(root, dir, 'SKILL.md'), `---\n${frontmatter}\n---\n\n${body}`);
+	}
+
+	function writeReference(dir: string, file: string, frontmatter: string, body: string) {
+		writeFileSync(join(root, dir, 'references', file), `---\n${frontmatter}\n---\n\n${body}`);
+	}
+
+	function writeBuilderWithReferences() {
+		writeSkill('builder', 'name: builder\ndescription: Build workflows.', 'Build steps.');
+		writeReference(
+			'builder',
+			'models.md',
+			'name: models\ndescription: Load before choosing a model.\ndependencies:\n  tools:\n    - searchModels',
+			'Model rules.',
+		);
+		writeFileSync(join(root, 'builder', 'references', 'notes.md'), 'Plain notes.');
+		writeSkill(
+			'agents',
+			'name: agents\ndescription: Build agents.\nshared_references:\n  - models',
+			'Agent steps.',
+		);
+	}
+
+	it('loads references with frontmatter as hidden skills of their owner and sharers', () => {
+		writeBuilderWithReferences();
+
+		const source = loadRuntimeSkillSourceFromDirectory(root);
+		const models = source.registry.skills.find((skill) => skill.id === 'models');
+
+		expect(models).toMatchObject({
+			description: 'Load before choosing a model.',
+			parents: ['builder', 'agents'],
+			reference: { owner: 'builder', path: 'references/models.md' },
+			dependencies: { tools: ['searchModels'] },
+		});
+		expect(source.registry.skills.map((skill) => skill.id)).not.toContain('notes');
+
+		const catalog = renderSkillCatalogPrompt(source.registry);
+		expect(catalog).not.toContain('name: "builder"');
+		expect(catalog).toContain('id: "builder"');
+		expect(catalog).toContain('id: "agents"');
+		expect(catalog).not.toContain('id: "models"');
+		expect(catalog).toContain('Load a reference with');
+	});
+
+	it('does not change the catalog protocol when no references exist', () => {
+		writeSkill('builder', 'name: builder\ndescription: Build workflows.', 'Build steps.');
+
+		const catalog = renderSkillCatalogPrompt(loadRuntimeSkillSourceFromDirectory(root).registry);
+
+		expect(catalog).not.toContain('Load a reference with');
+	});
+
+	it('lists references with descriptions when a parent skill loads', async () => {
+		writeBuilderWithReferences();
+		const loadTool = createSkillLoadTool(loadRuntimeSkillSourceFromDirectory(root));
+
+		const builder = skillLoadText(await loadTool.handler?.({ skillId: 'builder' }, {}));
+		expect(builder).toContain('[References');
+		expect(builder).toContain('- "models": "Load before choosing a model."');
+		expect(builder).toContain(
+			'[Linked files — load via load_skill with filePath: "references/notes.md"]',
+		);
+		expect(builder).not.toContain('filePath: "references/models.md"');
+
+		const agents = skillLoadText(await loadTool.handler?.({ skillId: 'agents' }, {}));
+		expect(agents).toContain('- "models": "Load before choosing a model."');
+	});
+
+	it('records references with descriptions in the activation result', async () => {
+		writeBuilderWithReferences();
+		const source = loadRuntimeSkillSourceFromDirectory(root);
+		const loadTool = createSkillLoadTool(source);
+
+		const result = await loadTool.handler?.(
+			{ skillId: 'builder' },
+			{ loadSkill: async (skillId: string) => await source.loadSkill(skillId) },
+		);
+
+		expect(result).toMatchObject({
+			success: true,
+			skillId: 'builder',
+			references: [{ skillId: 'models', description: 'Load before choosing a model.' }],
+			linkedFiles: { references: [expect.objectContaining({ path: 'references/notes.md' })] },
+		});
+	});
+
+	it('loads a reference by id or by its owner file path', async () => {
+		writeBuilderWithReferences();
+		const loadTool = createSkillLoadTool(loadRuntimeSkillSourceFromDirectory(root));
+
+		const byId = skillLoadText(await loadTool.handler?.({ skillId: 'models' }, {}));
+		expect(byId).toContain('[Reference of: "builder", "agents"]');
+		expect(byId).toContain('Model rules.');
+		expect(byId).not.toContain('name: models');
+
+		const byPath = skillLoadText(
+			await loadTool.handler?.({ skillId: 'builder', filePath: 'references/models.md' }, {}),
+		);
+		expect(byPath).toBe(byId);
+	});
+
+	it('hides references whose parents are all filtered out', async () => {
+		writeBuilderWithReferences();
+		const source = loadRuntimeSkillSourceFromDirectory(root);
+
+		const withoutAgents = filterRuntimeSkillSource(source, ['agents']);
+		expect(withoutAgents.registry.skills.find((skill) => skill.id === 'models')?.parents).toEqual([
+			'builder',
+		]);
+
+		const withoutOwner = filterRuntimeSkillSource(source, ['builder']);
+		expect(withoutOwner.registry.skills.find((skill) => skill.id === 'models')?.parents).toEqual([
+			'agents',
+		]);
+		await expect(withoutOwner.loadSkill('models')).resolves.toMatchObject({ id: 'models' });
+
+		const withoutBoth = filterRuntimeSkillSource(source, ['agents', 'builder']);
+		expect(withoutBoth.registry.skills).toEqual([]);
+		await expect(withoutBoth.loadSkill('models')).resolves.toBeNull();
+	});
+
+	it('hides a filtered reference from its parent listing', async () => {
+		writeBuilderWithReferences();
+		const filtered = filterRuntimeSkillSource(loadRuntimeSkillSourceFromDirectory(root), [
+			'models',
+		]);
+
+		const loadTool = createSkillLoadTool(filtered);
+		const builder = skillLoadText(await loadTool.handler?.({ skillId: 'builder' }, {}));
+		expect(builder).not.toContain('[References');
+		expect(builder).not.toContain('references/models.md');
+		await expect(filtered.loadFile?.('builder', 'references/models.md')).resolves.toBeNull();
+		await expect(
+			loadTool.handler?.({ skillId: 'builder', filePath: 'references/models.md' }, {}),
+		).resolves.toMatchObject({ success: false });
+	});
+
+	it('hides a reference excluded by the directory loader from its owner file path', async () => {
+		writeBuilderWithReferences();
+		const source = loadRuntimeSkillSourceFromDirectory(root, { exclude: ['models'] });
+
+		expect(source.registry.skills.map((skill) => skill.id)).not.toContain('models');
+		await expect(source.loadSkill('models')).resolves.toBeNull();
+		await expect(source.loadFile?.('builder', 'references/models.md')).resolves.toBeNull();
+		await expect(source.loadFile?.('builder', 'references/notes.md')).resolves.toMatchObject({
+			content: 'Plain notes.',
+		});
+
+		const loadTool = createSkillLoadTool(source);
+		const builder = skillLoadText(await loadTool.handler?.({ skillId: 'builder' }, {}));
+		expect(builder).not.toContain('references/models.md');
+		await expect(
+			loadTool.handler?.({ skillId: 'builder', filePath: 'references/models.md' }, {}),
+		).resolves.toMatchObject({ success: false });
+	});
+
+	it('hides references excluded by the directory loader when all their parents are excluded', async () => {
+		writeBuilderWithReferences();
+		const source = loadRuntimeSkillSourceFromDirectory(root, { exclude: ['builder', 'agents'] });
+
+		expect(source.registry.skills).toEqual([]);
+		await expect(source.loadSkill('models')).resolves.toBeNull();
+	});
+
+	it('keeps a shared reference when the directory loader excludes its owner', async () => {
+		writeBuilderWithReferences();
+		const source = loadRuntimeSkillSourceFromDirectory(root, { exclude: ['builder'] });
+
+		expect(source.registry.skills.find((skill) => skill.id === 'models')?.parents).toEqual([
+			'agents',
+		]);
+		await expect(source.loadSkill('models')).resolves.toMatchObject({ parents: ['agents'] });
+
+		const loadTool = createSkillLoadTool(source);
+		const agents = skillLoadText(await loadTool.handler?.({ skillId: 'agents' }, {}));
+		expect(agents).toContain('- "models": "Load before choosing a model."');
+	});
+
+	it('rejects references with a name that does not match the file', () => {
+		writeSkill('builder', 'name: builder\ndescription: Build workflows.', 'Build steps.');
+		writeReference('builder', 'models.md', 'name: other\ndescription: Wrong name.', 'Body.');
+
+		expect(() => loadRuntimeSkillSourceFromDirectory(root)).toThrow(
+			'Reference at builder/references/models.md must be named "models", got "other"',
+		);
+	});
+
+	it('rejects references without a description', () => {
+		writeSkill('builder', 'name: builder\ndescription: Build workflows.', 'Build steps.');
+		writeReference('builder', 'models.md', 'name: models', 'Body.');
+
+		expect(() => loadRuntimeSkillSourceFromDirectory(root)).toThrow(InvalidRuntimeSkillError);
+	});
+
+	it('rejects shared references that do not exist', () => {
+		writeSkill(
+			'agents',
+			'name: agents\ndescription: Build agents.\nshared_references:\n  - missing',
+			'Agent steps.',
+		);
+
+		expect(() => loadRuntimeSkillSourceFromDirectory(root)).toThrow(
+			'Skill "agents" shares unknown reference "missing"',
+		);
+	});
+
+	describe('in-memory reference metadata', () => {
+		const owner = { id: 'builder', name: 'builder', description: 'Build.', instructions: 'Build.' };
+		const reference = {
+			id: 'models',
+			name: 'models',
+			description: 'Models.',
+			instructions: 'Models.',
+		};
+
+		it('accepts parents and reference together', () => {
+			const registry = createRuntimeSkillRegistry([
+				owner,
+				{
+					...reference,
+					parents: ['builder'],
+					reference: { owner: 'builder', path: 'references/models.md' },
+				},
+			]);
+
+			expect(registry.skills.find((skill) => skill.id === 'models')?.parents).toEqual(['builder']);
+		});
+
+		it('rejects parents without a reference location', () => {
+			expect(() =>
+				createRuntimeSkillSource([owner, { ...reference, parents: ['builder'] }]),
+			).toThrow('Reference "models" must set both parents and reference');
+		});
+
+		it('rejects a reference location without parents', () => {
+			expect(() =>
+				createRuntimeSkillSource([
+					owner,
+					{ ...reference, reference: { owner: 'builder', path: 'references/models.md' } },
+				]),
+			).toThrow('Reference "models" must set both parents and reference');
+		});
+
+		it('keeps a reference whose owner is not in the skill set while another parent is', () => {
+			const source = createRuntimeSkillSource([
+				{ id: 'agents', name: 'agents', description: 'Agents.', instructions: 'Agents.' },
+				{
+					...reference,
+					parents: ['builder', 'agents'],
+					reference: { owner: 'builder', path: 'references/models.md' },
+				},
+			]);
+
+			expect(source.registry.skills.find((skill) => skill.id === 'models')?.parents).toEqual([
+				'agents',
+			]);
+		});
+	});
+});
diff --git a/packages/@n8n/agents/src/skills/index.ts b/packages/@n8n/agents/src/skills/index.ts
index 3c4c9ebb026..53b8ddb4a18 100644
--- a/packages/@n8n/agents/src/skills/index.ts
+++ b/packages/@n8n/agents/src/skills/index.ts
@@ -19,6 +19,8 @@ export type {
 	RuntimeSkillLoader,
 	RuntimeSkillMcpServerDependency,
 	RuntimeSkillPolicyContract,
+	RuntimeSkillReferenceContract,
+	RuntimeSkillReferenceLocation,
 	RuntimeSkillRegistry,
 	RuntimeSkillRegistryEntry,
 	RuntimeSkillSource,
diff --git a/packages/@n8n/agents/src/skills/prompt.ts b/packages/@n8n/agents/src/skills/prompt.ts
index 282d48eba43..e08bb881f18 100644
--- a/packages/@n8n/agents/src/skills/prompt.ts
+++ b/packages/@n8n/agents/src/skills/prompt.ts
@@ -8,14 +8,22 @@ export function renderSkillCatalogPrompt(
 	registry: RuntimeSkillRegistry,
 	options: RenderSkillCatalogOptions = {},
 ): string {
-	if (registry.skills.length === 0) return '';
+	const topLevel = registry.skills.filter((skill) => !skill.parents);
+	if (topLevel.length === 0) return '';
+	const hasReferences = topLevel.length < registry.skills.length;
 
-	const catalog = registry.skills
+	const catalog = topLevel
 		.map((skill) =>
 			[
-				`- name: ${promptString(skill.name)}`,
-				`  description: ${promptString(skill.description)}`,
-				`  id: ${promptString(skill.id)}`,
+				// Folder skills derive the id from the name, so the name adds nothing.
+				// Generated ids need the name to be readable.
+				...(skill.name === skill.id
+					? [`- id: ${promptString(skill.id)}`, `  description: ${promptString(skill.description)}`]
+					: [
+							`- name: ${promptString(skill.name)}`,
+							`  description: ${promptString(skill.description)}`,
+							`  id: ${promptString(skill.id)}`,
+						]),
 				...(skill.category ? [`  category: ${promptString(skill.category)}`] : []),
 				...(skill.recommendedTools?.length
 					? [`  recommendedTools: ${promptStringArray(skill.recommendedTools)}`]
@@ -35,7 +43,12 @@ ${catalog}
 When deciding whether to load a skill:
 - Match the user's request against the skill name and description.
 - If one skill clearly matches, call load_skill once with \`{ "skillId": "<id>" }\`, then follow the returned instructions.
-- If a loaded skill references a supporting file, call load_skill with \`{ "skillId": "<id>", "filePath": "<relative path>" }\`.
+- If a loaded skill references a supporting file, call load_skill with \`{ "skillId": "<id>", "filePath": "<relative path>" }\`.${
+		hasReferences
+			? `
+- A loaded skill can list references with a description of when each applies. Load a reference with \`{ "skillId": "<reference id>" }\` only when its description matches the current step.`
+			: ''
+	}
 - If the relevant skill was already loaded for this request, do not call load_skill again.
 - If no skill clearly matches, do not call load_skill.
 - Do not load a skill just because it is listed here.`;
diff --git a/packages/@n8n/agents/src/skills/registry.ts b/packages/@n8n/agents/src/skills/registry.ts
index 3f42c9c647e..20ab65b35ec 100644
--- a/packages/@n8n/agents/src/skills/registry.ts
+++ b/packages/@n8n/agents/src/skills/registry.ts
@@ -70,8 +70,10 @@ export function filterRuntimeSkillSource(
 	source: RuntimeSkillSource,
 	excludeSkillIds: string[],
 ): RuntimeSkillSource {
-	const excluded = new Set(excludeSkillIds);
-	const skills = source.registry.skills.filter((skill) => !excluded.has(skill.id));
+	const { skills, excluded, hiddenFiles } = excludeRuntimeSkills(
+		source.registry.skills,
+		excludeSkillIds,
+	);
 	const { loadFile } = source;
 
 	return {
@@ -85,7 +87,10 @@ export function filterRuntimeSkillSource(
 		...(loadFile
 			? {
 					loadFile: async (skillId: string, filePath: string) =>
-						excluded.has(skillId) ? null : await loadFile(skillId, filePath),
+						excluded.has(skillId) ||
+						hiddenFiles.has(linkedFileKey(skillId, posix.normalize(filePath)))
+							? null
+							: await loadFile(skillId, filePath),
 				}
 			: {}),
 	};
@@ -95,20 +100,20 @@ export function loadRuntimeSkillSourceFromDirectory(
 	rootDir: string,
 	options: LoadRuntimeSkillSourceFromDirectoryOptions = {},
 ): RuntimeSkillSource {
-	const excludedSkillIds = new Set(options.exclude ?? []);
 	const { transformInstructions = (instructions) => instructions } = options;
 
-	const skills = loadRuntimeSkillsFromDirectory(rootDir)
-		.filter((skill) => !excludedSkillIds.has(skill.id))
-		.map((skill) => {
-			return {
-				...skill,
-				instructions: transformInstructions(skill.instructions),
-			};
-		});
+	// Exclude before building the source, so hashes, parents, and linked files match the result.
+	const { skills } = excludeRuntimeSkills(
+		resolveReferenceParents(loadRuntimeSkillsFromDirectory(rootDir)),
+		options.exclude ?? [],
+	);
+	const transformedSkills = skills.map((skill) => ({
+		...skill,
+		instructions: transformInstructions(skill.instructions),
+	}));
 
-	const source = createRuntimeSkillSource(skills);
-	const skillsById = new Map(skills.map((skill) => [skill.id, skill]));
+	const source = createRuntimeSkillSource(transformedSkills);
+	const skillsById = new Map(transformedSkills.map((skill) => [skill.id, skill]));
 
 	return {
 		...source,
@@ -133,10 +138,63 @@ export function loadRuntimeSkillSourceFromDirectory(
 	};
 }
 
+type ExcludableSkill = Pick<RuntimeSkill, 'id' | 'parents' | 'reference' | 'linkedFiles'>;
+
+/**
+ * Removes the excluded skills, plus references left without a parent. A hidden
+ * reference's file is also removed from its owner's linked files, so it cannot
+ * be read through the owner.
+ */
+function excludeRuntimeSkills<T extends ExcludableSkill>(
+	allSkills: T[],
+	excludeSkillIds: string[],
+): { skills: T[]; excluded: Set<string>; hiddenFiles: Set<string> } {
+	const excluded = new Set(excludeSkillIds);
+	if (excluded.size === 0) return { skills: allSkills, excluded, hiddenFiles: new Set() };
+
+	const remaining = new Set(
+		allSkills.filter((skill) => !excluded.has(skill.id)).map((skill) => skill.id),
+	);
+	const skills = allSkills.flatMap((skill) => {
+		if (excluded.has(skill.id)) return [];
+		if (!skill.parents) return [skill];
+		const parents = skill.parents.filter((id) => remaining.has(id));
+		// A reference with no remaining parent cannot be discovered, so it is hidden too.
+		if (parents.length === 0) {
+			excluded.add(skill.id);
+			return [];
+		}
+		return [parents.length === skill.parents.length ? skill : { ...skill, parents }];
+	});
+	const hiddenFiles = new Set(
+		allSkills.flatMap((skill) =>
+			skill.reference && excluded.has(skill.id)
+				? [linkedFileKey(skill.reference.owner, skill.reference.path)]
+				: [],
+		),
+	);
+	if (hiddenFiles.size === 0) return { skills, excluded, hiddenFiles };
+
+	const visibleSkills = skills.map((skill) =>
+		skill.linkedFiles
+			? {
+					...skill,
+					linkedFiles: {
+						...skill.linkedFiles,
+						references: skill.linkedFiles.references.filter(
+							(file) => !hiddenFiles.has(linkedFileKey(skill.id, file.path)),
+						),
+					},
+				}
+			: skill,
+	);
+	return { skills: visibleSkills, excluded, hiddenFiles };
+}
+
 export function loadRuntimeSkillsFromDirectory(rootDir: string): RuntimeSkill[] {
 	if (!existsSync(rootDir) || !statSync(rootDir).isDirectory()) return [];
 
-	return collectSkillFiles(rootDir).map((skillPath) => {
+	const skills = collectSkillFiles(rootDir).flatMap((skillPath) => {
 		const skillDir = dirname(skillPath);
 		const sourceDirectory = toPosixPath(relative(rootDir, skillDir));
 		validateRuntimeSkillFolder(skillDir, skillPath, sourceDirectory);
@@ -157,10 +215,107 @@ export function loadRuntimeSkillsFromDirectory(rootDir: string): RuntimeSkill[]
 			);
 		}
 
-		return {
-			...parsed.skill,
-			linkedFiles: loadLinkedFiles(skillDir),
-		};
+		const skill: RuntimeSkill = { ...parsed.skill, linkedFiles: loadLinkedFiles(skillDir) };
+		return [skill, ...loadReferenceSkills(skill, skillDir, sourceDirectory)];
+	});
+	assertSharedReferencesExist(skills);
+	return skills;
+}
+
+const REFERENCE_SKILL_PATH = /^references\/[^/]+\.md$/;
+
+function linkedFileKey(skillId: string, path: string): string {
+	return `${skillId}\0${path}`;
+}
+
+/** `references/*.md` files that start with frontmatter become reference skills of their owner. */
+function loadReferenceSkills(
+	owner: RuntimeSkill,
+	skillDir: string,
+	sourceDirectory: string,
+): RuntimeSkill[] {
+	return (owner.linkedFiles?.references ?? []).flatMap((file) => {
+		if (!REFERENCE_SKILL_PATH.test(file.path)) return [];
+		const referencePath = join(skillDir, file.path);
+		const content = readFileSync(referencePath, 'utf-8');
+		if (content.split(/\r?\n/, 1)[0]?.trim() !== '---') return [];
+
+		const location = `${sourceDirectory}/${file.path}`;
+		const expectedName = posix.basename(file.path, '.md');
+		const parsed = parseRuntimeSkillMarkdown(content, {
+			sourceName: expectedName,
+			path: toPosixPath(referencePath),
+			sourcePath: toPosixPath(referencePath),
+			directory: toPosixPath(skillDir),
+			category: categoryFor(sourceDirectory),
+		});
+		if (!parsed.ok) {
+			throw new InvalidRuntimeSkillError(
+				`Invalid reference at ${location}: ${formatSkillValidationErrors(parsed.errors)}`,
+			);
+		}
+		if (parsed.skill.name !== expectedName) {
+			throw new InvalidRuntimeSkillError(
+				`Reference at ${location} must be named "${expectedName}", got "${parsed.skill.name}"`,
+			);
+		}
+		if (parsed.skill.sharedReferences) {
+			throw new InvalidRuntimeSkillError(
+				`Reference at ${location} cannot declare shared_references`,
+			);
+		}
+
+		return [
+			{
+				...parsed.skill,
+				parents: [owner.id],
+				reference: { owner: owner.id, path: file.path },
+			},
+		];
+	});
+}
+
+function assertSharedReferencesExist(skills: RuntimeSkill[]): void {
+	const references = new Set(skills.filter((skill) => skill.reference).map((skill) => skill.id));
+	for (const skill of skills) {
+		for (const id of skill.sharedReferences ?? []) {
+			if (!references.has(id)) {
+				throw new InvalidRuntimeSkillError(`Skill "${skill.id}" shares unknown reference "${id}"`);
+			}
+		}
+	}
+}
+
+/**
+ * Adds skills that share a reference to its parents, drops parents that are
+ * not in the set, and drops references left without a parent.
+ */
+function resolveReferenceParents(skills: RuntimeSkill[]): RuntimeSkill[] {
+	const ids = new Set(skills.map((skill) => skill.id));
+	const sharers = new Map<string, string[]>();
+	for (const skill of skills) {
+		// The catalog hides a skill by `parents`; materialization and file lookups key on `reference`.
+		if (!skill.parents !== !skill.reference) {
+			throw new InvalidRuntimeSkillError(
+				`Reference "${skill.id}" must set both parents and reference`,
+			);
+		}
+		if (skill.parents && skill.sharedReferences?.length) {
+			throw new InvalidRuntimeSkillError(`Reference "${skill.id}" cannot share other references`);
+		}
+		for (const id of skill.sharedReferences ?? []) {
+			sharers.set(id, [...(sharers.get(id) ?? []), skill.id]);
+		}
+	}
+
+	return skills.flatMap((skill) => {
+		const shared = sharers.get(skill.id);
+		if (shared && !skill.parents) {
+			throw new InvalidRuntimeSkillError(`Shared skill "${skill.id}" is not a reference`);
+		}
+		if (!skill.parents) return [skill];
+		const parents = [...new Set([...skill.parents, ...(shared ?? [])])].filter((id) => ids.has(id));
+		return parents.length > 0 ? [{ ...skill, parents }] : [];
 	});
 }
 
@@ -178,7 +333,7 @@ export function formatSkillValidationErrors(
 }
 
 function normalizeRuntimeSkills(skills: RuntimeSkill[]): RuntimeSkill[] {
-	const sortedSkills = [...skills].sort(compareRuntimeSkills);
+	const sortedSkills = resolveReferenceParents(skills).sort(compareRuntimeSkills);
 	const seenIds = new Set<string>();
 	const seenNames = new Set<string>();
 	const seenSourceDirectories = new Set<string>();
@@ -235,6 +390,9 @@ function toRegistryEntry(skill: RuntimeSkill): RuntimeSkillRegistryEntry {
 		...(skill.interface ? { interface: stableRecord(skill.interface) } : {}),
 		...(skill.policy ? { policy: stableRecord(skill.policy) } : {}),
 		...(skill.dependencies ? { dependencies: stableRecord(skill.dependencies) } : {}),
+		...(skill.parents ? { parents: [...skill.parents] } : {}),
+		...(skill.reference ? { reference: { ...skill.reference } } : {}),
+		...(skill.sharedReferences ? { sharedReferences: [...skill.sharedReferences] } : {}),
 		...(skill.version ? { version: skill.version } : {}),
 		...(skill.license ? { license: skill.license } : {}),
 		...(skill.compatibility ? { compatibility: skill.compatibility } : {}),
@@ -255,6 +413,9 @@ function hashSkill(skill: RuntimeSkill): string {
 		interface: skill.interface,
 		policy: skill.policy,
 		dependencies: skill.dependencies,
+		parents: skill.parents,
+		reference: skill.reference,
+		sharedReferences: skill.sharedReferences,
 		version: skill.version,
 		license: skill.license,
 		compatibility: skill.compatibility,
diff --git a/packages/@n8n/agents/src/skills/tools.ts b/packages/@n8n/agents/src/skills/tools.ts
index 9c2fe780318..a994b1cdece 100644
--- a/packages/@n8n/agents/src/skills/tools.ts
+++ b/packages/@n8n/agents/src/skills/tools.ts
@@ -1,4 +1,5 @@
 import { scrubSecretsInText } from '@n8n/utils/scrub-secrets';
+import { posix } from 'path';
 import { z } from 'zod';
 
 import { Tool } from '../sdk/tool';
@@ -82,6 +83,7 @@ const skillLoadOutputSchema = z.object({
 	bytes: z.number().optional(),
 	sha256: z.string().optional(),
 	activation: z.string().optional(),
+	references: z.array(z.object({ skillId: z.string(), description: z.string() })).optional(),
 	linkedFiles: linkedFilesSchema.optional(),
 	error: z.string().optional(),
 	availableSkills: z.array(z.string()).optional(),
@@ -142,9 +144,16 @@ async function loadSkill(
 	},
 	activate?: RuntimeSkillLoader,
 ): Promise<SkillLoadOutput | SkillLoadContentOutput> {
-	const { skillId, name, filePath, loadFile } = input;
+	const { skillId, name, loadFile } = input;
 	await source.prepare?.();
-	const skillEntry = findSkillEntry(source.registry, { skillId, name });
+	const requestedEntry = findSkillEntry(source.registry, { skillId, name });
+	// A path to a reference file activates the reference instead of returning raw text.
+	const referenceEntry =
+		requestedEntry && input.filePath !== undefined
+			? findReferenceByPath(source.registry, requestedEntry.id, input.filePath)
+			: undefined;
+	const skillEntry = referenceEntry ?? requestedEntry;
+	const filePath = referenceEntry ? undefined : input.filePath;
 	if (!skillEntry) {
 		return {
 			ok: false,
@@ -224,31 +233,53 @@ async function loadSkill(
 	}
 
 	if (activate) {
+		const { references, linkedFiles } = skillReferences(skillEntry, source.registry);
 		return {
 			success: true,
 			skillId: skillEntry.id,
 			name: skillEntry.name,
 			hash: skillEntry.hash,
 			content: 'The skill instructions are active. Follow them for this task.',
-			linkedFiles: skillEntry.linkedFiles,
+			...(references.length > 0
+				? {
+						references: references.map((entry) => ({
+							skillId: entry.id,
+							description: entry.description,
+						})),
+					}
+				: {}),
+			linkedFiles,
 		};
 	}
 	return {
 		type: 'content',
-		value: [{ type: 'text', text: formatActiveSkill(skill, skillEntry) }],
+		value: [{ type: 'text', text: formatActiveSkill(skill, skillEntry, source.registry) }],
 	};
 }
 
 export function formatActiveSkill(
 	skill: RuntimeSkillContent,
 	skillEntry: RuntimeSkillRegistryEntry,
+	registry?: RuntimeSkillRegistry,
 ): string {
 	const content = cap(skill.instructions);
-	const linkedFilePaths = LINKED_FILE_GROUPS.flatMap((group) => skillEntry.linkedFiles[group]).map(
+	const { references, linkedFiles } = skillReferences(skillEntry, registry);
+	const linkedFilePaths = LINKED_FILE_GROUPS.flatMap((group) => linkedFiles[group]).map(
 		(file) => file.path,
 	);
 	const header = [
 		activationEnvelope(skillEntry),
+		...(references.length > 0
+			? [
+					[
+						'[References — load one via load_skill with { "skillId": "<id>" } only when its description matches the current step:',
+						...references.map(
+							(entry) => `- ${envelopeValue(entry.id)}: ${envelopeValue(entry.description)}`,
+						),
+						']',
+					].join('\n'),
+				]
+			: []),
 		...(linkedFilePaths.length > 0
 			? [
 					`[Linked files — load via load_skill with filePath: ${linkedFilePaths.map(envelopeValue).join(', ')}]`,
@@ -258,6 +289,43 @@ export function formatActiveSkill(
 	return `${header.join('\n')}\n\n${content}`;
 }
 
+/** A skill's references, and its linked files without the files those references come from. */
+function skillReferences(
+	skillEntry: RuntimeSkillRegistryEntry,
+	registry: RuntimeSkillRegistry | undefined,
+): { references: RuntimeSkillRegistryEntry[]; linkedFiles: RuntimeSkillLinkedFiles } {
+	const references = (registry?.skills ?? []).filter((entry) =>
+		entry.parents?.includes(skillEntry.id),
+	);
+	const referencePaths = new Set(
+		references.flatMap((entry) =>
+			entry.reference?.owner === skillEntry.id ? [entry.reference.path] : [],
+		),
+	);
+	if (referencePaths.size === 0) return { references, linkedFiles: skillEntry.linkedFiles };
+	return {
+		references,
+		linkedFiles: {
+			...skillEntry.linkedFiles,
+			references: skillEntry.linkedFiles.references.filter(
+				(file) => !referencePaths.has(file.path),
+			),
+		},
+	};
+}
+
+/** The reference skill that a parent's linked file path points to, if any. */
+export function findReferenceByPath(
+	registry: RuntimeSkillRegistry,
+	ownerId: string,
+	filePath: string,
+): RuntimeSkillRegistryEntry | undefined {
+	const normalized = posix.normalize(filePath.trim());
+	return registry.skills.find(
+		(entry) => entry.reference?.owner === ownerId && entry.reference.path === normalized,
+	);
+}
+
 function findSkillEntry(
 	registry: RuntimeSkillRegistry,
 	input: { skillId?: string; name?: string },
@@ -277,6 +345,9 @@ function findSkillEntry(
 function activationEnvelope(skill: RuntimeSkillRegistryEntry): string {
 	return [
 		`[Skill: ${envelopeValue(skill.name)}]`,
+		...(skill.parents?.length
+			? [`[Reference of: ${skill.parents.map(envelopeValue).join(', ')}]`]
+			: []),
 		...(skill.category ? [`[Skill category: ${envelopeValue(skill.category)}]`] : []),
 		...(skill.directory ? [`[Skill directory: ${envelopeValue(skill.directory)}]`] : []),
 		...((skill.path ?? skill.sourcePath)
diff --git a/packages/@n8n/agents/src/skills/types.ts b/packages/@n8n/agents/src/skills/types.ts
index 7d2be46a705..b2d8b073f4d 100644
--- a/packages/@n8n/agents/src/skills/types.ts
+++ b/packages/@n8n/agents/src/skills/types.ts
@@ -68,7 +68,26 @@ export interface RuntimeSkillDependenciesContract {
 	mcpServers?: RuntimeSkillMcpServerDependency[];
 }
 
-export interface RuntimeSkill extends RuntimeSkillIndexEntry {
+/** Where a reference skill's file lives: a path relative to the owning skill's directory. */
+export interface RuntimeSkillReferenceLocation {
+	owner: string;
+	path: string;
+}
+
+/**
+ * A reference skill is a `references/*.md` file with skill frontmatter. It is
+ * hidden from the catalog and listed, with its description, when a parent
+ * skill loads. It activates like any other skill.
+ */
+export interface RuntimeSkillReferenceContract {
+	/** Skills that list this reference. The owner comes first. */
+	parents?: string[];
+	reference?: RuntimeSkillReferenceLocation;
+	/** Ids of references owned by other skills that this skill also lists. */
+	sharedReferences?: string[];
+}
+
+export interface RuntimeSkill extends RuntimeSkillIndexEntry, RuntimeSkillReferenceContract {
 	id: string;
 	instructions: string;
 	sourceName?: string;
@@ -89,7 +108,9 @@ export interface RuntimeSkill extends RuntimeSkillIndexEntry {
 	linkedFiles?: RuntimeSkillLinkedFiles;
 }
 
-export interface RuntimeSkillRegistryEntry extends RuntimeSkillIndexEntry {
+export interface RuntimeSkillRegistryEntry
+	extends RuntimeSkillIndexEntry,
+		RuntimeSkillReferenceContract {
 	id: string;
 	hash: string;
 	sourceName?: string;
@@ -116,7 +137,7 @@ export interface RuntimeSkillRegistry {
 	skills: RuntimeSkillRegistryEntry[];
 }
 
-export interface RuntimeSkillContent extends RuntimeSkillIndexEntry {
+export interface RuntimeSkillContent extends RuntimeSkillIndexEntry, RuntimeSkillReferenceContract {
 	id: string;
 	instructions: string;
 	sourceName?: string;
diff --git a/packages/@n8n/agents/src/skills/validator.ts b/packages/@n8n/agents/src/skills/validator.ts
index 8abb2765965..7670a6bafe1 100644
--- a/packages/@n8n/agents/src/skills/validator.ts
+++ b/packages/@n8n/agents/src/skills/validator.ts
@@ -21,6 +21,7 @@ const RUNTIME_SKILL_FRONTMATTER_FIELDS = [
 	'interface',
 	'policy',
 	'dependencies',
+	'shared_references',
 	'platforms',
 	'version',
 	'license',
@@ -82,6 +83,7 @@ export function parseRuntimeSkillMarkdown(
 	const skillInterface = optionalSkillInterface(frontmatter.data, errors);
 	const policy = optionalSkillPolicy(frontmatter.data, errors);
 	const dependencies = optionalSkillDependencies(frontmatter.data, errors);
+	const sharedReferences = optionalStringArray(frontmatter.data, 'shared_references', errors);
 	const platforms = optionalStringArray(frontmatter.data, 'platforms', errors)?.map((platform) =>
 		platform.toLowerCase(),
 	);
@@ -108,6 +110,7 @@ export function parseRuntimeSkillMarkdown(
 		...(skillInterface ? { interface: skillInterface } : {}),
 		...(policy ? { policy } : {}),
 		...(dependencies ? { dependencies } : {}),
+		...(sharedReferences?.length ? { sharedReferences } : {}),
 		...(version ? { version } : {}),
 		...(license ? { license } : {}),
 		...(compatibility ? { compatibility } : {}),
diff --git a/packages/@n8n/instance-ai/skills/agent-builder/SKILL.md b/packages/@n8n/instance-ai/skills/agent-builder/SKILL.md
index 7b54e128a44..6b11143ea5c 100644
--- a/packages/@n8n/instance-ai/skills/agent-builder/SKILL.md
+++ b/packages/@n8n/instance-ai/skills/agent-builder/SKILL.md
@@ -7,6 +7,8 @@ description: >-
   creation, faithful handoff, targeting, testing, and publishing. Use directly
   for routine Agent follow-ups; rerun intent-recognition only when the requested
   artifact is no longer clear.
+shared_references:
+  - credential-setup-with-computer-use
 recommended_tools:
   - build-agent
   - agent-context
diff --git a/packages/@n8n/instance-ai/skills/data-table-manager/SKILL.md b/packages/@n8n/instance-ai/skills/data-table-manager/SKILL.md
index e966946ca6c..31603bec3ca 100644
--- a/packages/@n8n/instance-ai/skills/data-table-manager/SKILL.md
+++ b/packages/@n8n/instance-ai/skills/data-table-manager/SKILL.md
@@ -174,5 +174,5 @@ fit a wrong schema.
 
 ## More Detail
 
-Use [references/data-table-playbook.md](references/data-table-playbook.md) for
-tool recipes, schema patterns, import edge cases, and output examples.
+Load the `data-table-playbook` reference for tool recipes, schema patterns,
+import edge cases, and output examples.
diff --git a/packages/@n8n/instance-ai/skills/data-table-manager/references/data-table-playbook.md b/packages/@n8n/instance-ai/skills/data-table-manager/references/data-table-playbook.md
index 9aa581c9e47..fc900317ec9 100644
--- a/packages/@n8n/instance-ai/skills/data-table-manager/references/data-table-playbook.md
+++ b/packages/@n8n/instance-ai/skills/data-table-manager/references/data-table-playbook.md
@@ -1,3 +1,10 @@
+---
+name: data-table-playbook
+description: >-
+  Load when a data table task needs schema design, import mapping, cleanup, or
+  a careful bulk mutation.
+---
+
 # Data Table Playbook
 
 Use this reference when the table needs design judgment, import mapping,
diff --git a/packages/@n8n/instance-ai/skills/workflow-builder/SKILL.md b/packages/@n8n/instance-ai/skills/workflow-builder/SKILL.md
index 57103f30dd4..48ff857a568 100644
--- a/packages/@n8n/instance-ai/skills/workflow-builder/SKILL.md
+++ b/packages/@n8n/instance-ai/skills/workflow-builder/SKILL.md
@@ -11,7 +11,9 @@ description: >-
   or shared cross-task data tables require a dependency-aware task graph.
   Don't use this skill for explicit one-off tasks that can be done by a single
   node execution: load one-off-operations and run the node with
-  nodes(action="execute").
+  nodes(action="execute"). Also load for a workflow's evaluations, model
+  choices, credential setup, and post-build verification: this skill lists the
+  references for those steps.
 recommended_tools:
   - read_file
   - write_file
@@ -195,8 +197,8 @@ Trigger — never a name, placeholder, `activeVersionId`, or local SDK id).
 n8n has no global error workflow setting; mention that only if the user asks
 about global behavior. Do not offer or build an error workflow before the
 primary workflow is published. Before building or attaching an error
-workflow, load this skill's `references/error-workflows.md` linked file and
-follow its build → publish → assign steps.
+workflow, load the `error-workflows` reference and follow its build → publish
+→ assign steps.
 
 ## Mandatory Process
 
@@ -571,9 +573,8 @@ explicit input schema, built with `isSupportingWorkflow: true`) referenced from
 the main workflow's `executeWorkflow` node (`source: 'database'`, real returned
 `workflowId`), main workflow saved last. This is part of the approved build
 task — not a reason to create a new plan, and simple
-workflows stay in one workflow. Before writing multi-workflow code, load this
-skill's `references/compositional-workflows.md` linked file for the required
-steps and SDK examples.
+workflows stay in one workflow. Before writing multi-workflow code, load the
+`compositional-workflows` reference for the required steps and SDK examples.
 
 ## Data Tables
 
diff --git a/packages/@n8n/instance-ai/skills/workflow-builder/references/compositional-workflows.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/compositional-workflows.md
index dc608b5f175..b769d5bc0c6 100644
--- a/packages/@n8n/instance-ai/skills/workflow-builder/references/compositional-workflows.md
+++ b/packages/@n8n/instance-ai/skills/workflow-builder/references/compositional-workflows.md
@@ -1,3 +1,11 @@
+---
+name: compositional-workflows
+description: >-
+  Load before splitting a large workflow into supporting sub-workflows and a
+  main workflow, when the work has reusable chunks or benefits from independent
+  testing. Simple workflows stay in one workflow.
+---
+
 # Compositional Workflows
 
 For complex workflows, you may decompose work into supporting sub-workflows and
diff --git a/packages/@n8n/instance-ai/skills/config-evals/references/config-eval-playbook.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/config-eval-playbook.md
similarity index 95%
rename from packages/@n8n/instance-ai/skills/config-evals/references/config-eval-playbook.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/config-eval-playbook.md
index adabc7d2059..5fe74b51cfe 100644
--- a/packages/@n8n/instance-ai/skills/config-evals/references/config-eval-playbook.md
+++ b/packages/@n8n/instance-ai/skills/workflow-builder/references/config-eval-playbook.md
@@ -1,3 +1,11 @@
+---
+name: config-eval-playbook
+description: >-
+  Load after config-evals when you need exact `eval-config` action fields,
+  config shapes, or worked examples to list, create, change, run, or remove a
+  config evaluation.
+---
+
 # Config Eval Playbook
 
 Recipes and worked examples for the `eval-config` tool. All actions are
diff --git a/packages/@n8n/instance-ai/skills/config-evals/SKILL.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/config-evals.md
similarity index 97%
rename from packages/@n8n/instance-ai/skills/config-evals/SKILL.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/config-evals.md
index 5ef75bcb43e..1d5e8fe2d6a 100644
--- a/packages/@n8n/instance-ai/skills/config-evals/SKILL.md
+++ b/packages/@n8n/instance-ai/skills/workflow-builder/references/config-evals.md
@@ -116,5 +116,5 @@ relative to the request. Use `prompt` only to override the default judge prompt.
 
 ## More Detail
 
-Use [references/config-eval-playbook.md](references/config-eval-playbook.md) for
-tool-call recipes, worked examples, and output shapes.
+Load the `config-eval-playbook` reference for tool-call recipes, worked
+examples, and output shapes.
diff --git a/packages/@n8n/instance-ai/skills/credential-recipe-research/SKILL.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/credential-recipe-research.md
similarity index 100%
rename from packages/@n8n/instance-ai/skills/credential-recipe-research/SKILL.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/credential-recipe-research.md
diff --git a/packages/@n8n/instance-ai/skills/credential-setup-with-computer-use/SKILL.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/credential-setup-with-computer-use.md
similarity index 100%
rename from packages/@n8n/instance-ai/skills/credential-setup-with-computer-use/SKILL.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/credential-setup-with-computer-use.md
diff --git a/packages/@n8n/instance-ai/skills/workflow-builder/references/error-workflows.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/error-workflows.md
index 5e561faa5bd..50cbb0e1453 100644
--- a/packages/@n8n/instance-ai/skills/workflow-builder/references/error-workflows.md
+++ b/packages/@n8n/instance-ai/skills/workflow-builder/references/error-workflows.md
@@ -1,3 +1,11 @@
+---
+name: error-workflows
+description: >-
+  Load before creating, assigning, or changing a workflow-level error workflow
+  (`settings.errorWorkflow`), including the error-workflow follow-up after a
+  primary workflow is published.
+---
+
 # Workflow-Level Error Workflows
 
 n8n has no global or instance-wide error workflow setting. Error workflows are
diff --git a/packages/@n8n/instance-ai/skills/model-selection/SKILL.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/model-selection.md
similarity index 100%
rename from packages/@n8n/instance-ai/skills/model-selection/SKILL.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/model-selection.md
diff --git a/packages/@n8n/instance-ai/skills/one-off-operations/SKILL.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/one-off-operations.md
similarity index 100%
rename from packages/@n8n/instance-ai/skills/one-off-operations/SKILL.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/one-off-operations.md
diff --git a/packages/@n8n/instance-ai/skills/post-build-flow/SKILL.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/post-build-flow.md
similarity index 99%
rename from packages/@n8n/instance-ai/skills/post-build-flow/SKILL.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/post-build-flow.md
index fb71d3319ff..dec25f6f23c 100644
--- a/packages/@n8n/instance-ai/skills/post-build-flow/SKILL.md
+++ b/packages/@n8n/instance-ai/skills/workflow-builder/references/post-build-flow.md
@@ -30,8 +30,8 @@ following them stays in the user's conversation language.
 
 For trigger `inputData` shapes, read
 `${N8N_WORKSPACE_DIR}/knowledge-base/reference/trigger-input-data-shapes.md` in
-the sandbox workspace when available, or load this skill's
-`references/trigger-input-data-shapes.md` linked file.
+the sandbox workspace when available, or load the `trigger-input-data-shapes`
+reference.
 
 ## Setup panel
 
diff --git a/packages/@n8n/instance-ai/skills/post-build-flow/references/trigger-input-data-shapes.md b/packages/@n8n/instance-ai/skills/workflow-builder/references/trigger-input-data-shapes.md
similarity index 87%
rename from packages/@n8n/instance-ai/skills/post-build-flow/references/trigger-input-data-shapes.md
rename to packages/@n8n/instance-ai/skills/workflow-builder/references/trigger-input-data-shapes.md
index 4c0dab17264..25f5ecc9002 100644
--- a/packages/@n8n/instance-ai/skills/post-build-flow/references/trigger-input-data-shapes.md
+++ b/packages/@n8n/instance-ai/skills/workflow-builder/references/trigger-input-data-shapes.md
@@ -1,3 +1,11 @@
+---
+name: trigger-input-data-shapes
+description: >-
+  Load before passing `inputData` to `verify-built-workflow` or
+  `executions(action="run")`, to use the shape that matches the workflow's
+  trigger type.
+---
+
 # Per-trigger `inputData` shape
 
 Used by `verify-built-workflow`, `executions(action="run")`, and checkpoint
diff --git a/packages/@n8n/instance-ai/src/skills/__tests__/materialize-runtime-skills.test.ts b/packages/@n8n/instance-ai/src/skills/__tests__/materialize-runtime-skills.test.ts
index 051bcf3a6e8..6ededbeee70 100644
--- a/packages/@n8n/instance-ai/src/skills/__tests__/materialize-runtime-skills.test.ts
+++ b/packages/@n8n/instance-ai/src/skills/__tests__/materialize-runtime-skills.test.ts
@@ -1,7 +1,9 @@
 import {
 	RUNTIME_SKILL_MAX_OUTPUT_BYTES,
 	RUNTIME_SKILL_REGISTRY_SCHEMA_VERSION,
+	createRuntimeSkillSource,
 	createSkillLoadTool,
+	filterRuntimeSkillSource,
 	type RuntimeSkillLinkedFiles,
 	type RuntimeSkillSource,
 	type Workspace,
@@ -237,7 +239,30 @@ describe('materializeRuntimeSkillsIntoWorkspace', () => {
 		const text = skillLoadText(result);
 		expect(text).toContain('[Skill: "data-table-manager"]');
 		expect(text).toContain(`${root}/${SANDBOX_RUNTIME_SKILLS_DIR}/data-table-manager`);
-		expect(text).toContain('references/data-table-playbook.md');
+		expect(text).toContain('- "data-table-playbook": ');
+	});
+
+	it('serves references from their owner directory with sandbox placeholders resolved', async () => {
+		const source = loadInstanceAiRuntimeSkillSource();
+		const { workspace } = createMockWorkspace();
+		const root = '/home/daytona/workspace';
+
+		const materialized = await materializeRuntimeSkillsIntoWorkspace({
+			logger: mockLogger,
+			source,
+			workspace,
+			root,
+		});
+		if (!materialized) throw new Error('Expected runtime skills to materialize');
+
+		const referencePath = `${root}/${SANDBOX_RUNTIME_SKILLS_DIR}/workflow-builder/references/post-build-flow.md`;
+		const text = skillLoadText(
+			await createSkillLoadTool(materialized.source).handler?.({ skillId: 'post-build-flow' }, {}),
+		);
+		expect(text).toContain(`[Skill path: "${referencePath}"]`);
+		expect(text).toContain(`${root}/knowledge-base/reference/trigger-input-data-shapes.md`);
+		expect(text).not.toContain('{N8N_WORKSPACE_DIR}');
+		expect(materialized.skills.map(({ id }) => id)).not.toContain('post-build-flow');
 	});
 
 	it('materializes skills into the workspace before load_skill reads them', async () => {
@@ -356,6 +381,70 @@ describe('materializeRuntimeSkillsIntoWorkspace', () => {
 		).rejects.toThrow('Runtime skill linked file escapes skill directory');
 	});
 
+	describe('reference skills', () => {
+		const root = '/home/daytona/workspace';
+		const skillsRoot = `${root}/${SANDBOX_RUNTIME_SKILLS_DIR}`;
+
+		function createReferenceSource(): RuntimeSkillSource {
+			const ownerFiles = emptyLinkedFiles();
+			ownerFiles.references.push({ path: 'references/models.md', bytes: 6, sha256: 'sha' });
+			return createRuntimeSkillSource([
+				{
+					id: 'builder',
+					name: 'builder',
+					description: 'Build workflows.',
+					instructions: 'Build steps.',
+					sourceDirectory: 'builder',
+					linkedFiles: ownerFiles,
+				},
+				{
+					id: 'agents',
+					name: 'agents',
+					description: 'Build agents.',
+					instructions: 'Agent steps.',
+					sourceDirectory: 'agents',
+					sharedReferences: ['models'],
+				},
+				{
+					id: 'models',
+					name: 'models',
+					description: 'Load before choosing a model.',
+					instructions: 'Model rules in ' + '$' + '{N8N_WORKSPACE_DIR}.',
+					parents: ['builder'],
+					reference: { owner: 'builder', path: 'references/models.md' },
+				},
+			]);
+		}
+
+		it('materializes references without a file loader', async () => {
+			const bundle = await buildRuntimeSkillWorkspaceBundle({
+				source: createReferenceSource(),
+				root,
+				logger: mockLogger,
+			});
+
+			expect(bundle?.files.get(`${skillsRoot}/builder/references/models.md`)).toContain(
+				`Model rules in ${root}.`,
+			);
+		});
+
+		it('materializes a shared reference under a remaining parent when its owner is filtered out', async () => {
+			const source = filterRuntimeSkillSource(createReferenceSource(), ['builder']);
+
+			const bundle = await buildRuntimeSkillWorkspaceBundle({ source, root, logger: mockLogger });
+			if (!bundle) throw new Error('Expected a skill bundle');
+
+			const referencePath = `${skillsRoot}/agents/references/models.md`;
+			expect(bundle.files.get(referencePath)).toContain(`Model rules in ${root}.`);
+			expect(bundle.files.has(`${skillsRoot}/builder/SKILL.md`)).toBe(false);
+			const text = skillLoadText(
+				await createSkillLoadTool(bundle.source).handler?.({ skillId: 'models' }, {}),
+			);
+			expect(text).toContain(`[Skill path: "${referencePath}"]`);
+			expect(text).toContain(`Model rules in ${root}.`);
+		});
+	});
+
 	it('warns when materialized skill files exceed the load_skill output limit', async () => {
 		const source: RuntimeSkillSource = {
 			registry: {
diff --git a/packages/@n8n/instance-ai/src/skills/__tests__/progressive-building.test.ts b/packages/@n8n/instance-ai/src/skills/__tests__/progressive-building.test.ts
index 5fe403d2544..07da889bfc1 100644
--- a/packages/@n8n/instance-ai/src/skills/__tests__/progressive-building.test.ts
+++ b/packages/@n8n/instance-ai/src/skills/__tests__/progressive-building.test.ts
@@ -74,8 +74,11 @@ describe('progressive workflow skill variants', () => {
 		if (!controlBundle || !progressiveBundle) throw new Error('Expected skill bundles');
 
 		expect(progressiveBundle.manifest.skillsHash).not.toBe(controlBundle.manifest.skillsHash);
-		for (const skillId of ['workflow-builder', 'post-build-flow']) {
-			const skillPath = `${root}/skills/${skillId}/SKILL.md`;
+		const skillPaths = {
+			'workflow-builder': `${root}/skills/workflow-builder/SKILL.md`,
+			'post-build-flow': `${root}/skills/workflow-builder/references/post-build-flow.md`,
+		};
+		for (const [skillId, skillPath] of Object.entries(skillPaths)) {
 			expect(progressiveBundle.files.get(skillPath)).toContain('# Progressive building');
 			expect(controlBundle.files.get(skillPath)).not.toContain('# Progressive building');
 			const loadTool = createSkillLoadTool(progressiveBundle.source);
@@ -83,7 +86,7 @@ describe('progressive workflow skill variants', () => {
 			expect(loaded).toHaveProperty('value.0.text', expect.stringContaining(policy.instructions));
 		}
 
-		const reference = `${root}/skills/post-build-flow/references/trigger-input-data-shapes.md`;
+		const reference = `${root}/skills/workflow-builder/references/trigger-input-data-shapes.md`;
 		expect(progressiveBundle.files.get(reference)).toBeTruthy();
 		expect(progressiveBundle.files.get(reference)).toBe(controlBundle.files.get(reference));
 		expect(controlBundle.files.has(`${root}/skills/planning/SKILL.md`)).toBe(true);
diff --git a/packages/@n8n/instance-ai/src/skills/__tests__/runtime-skills.test.ts b/packages/@n8n/instance-ai/src/skills/__tests__/runtime-skills.test.ts
index 2c186b7e56a..0e2c9a99d8d 100644
--- a/packages/@n8n/instance-ai/src/skills/__tests__/runtime-skills.test.ts
+++ b/packages/@n8n/instance-ai/src/skills/__tests__/runtime-skills.test.ts
@@ -34,12 +34,8 @@ describe('Instance AI runtime skills', () => {
 		];
 		const offenders: string[] = [];
 
-		for (const skillId of readdirSync(INSTANCE_AI_SKILLS_DIR, { withFileTypes: true })
-			.filter((entry) => entry.isDirectory())
-			.map((entry) => entry.name)) {
-			const skillPath = join(INSTANCE_AI_SKILLS_DIR, skillId, 'SKILL.md');
-			if (!existsSync(skillPath)) continue;
-			const content = readFileSync(skillPath, 'utf-8');
+		for (const file of skillMarkdownFiles()) {
+			const content = readFileSync(join(INSTANCE_AI_SKILLS_DIR, file), 'utf-8');
 
 			for (const pattern of gatePatterns) {
 				for (const match of content.matchAll(pattern)) {
@@ -47,7 +43,7 @@ describe('Instance AI runtime skills', () => {
 					// "load it via load_tool" names the tool earlier; the second pattern catches it.
 					if (toolName === 'it') continue;
 					if (ALWAYS_LOADED_TOOL_NAMES.has(toolName)) {
-						offenders.push(`${skillId}/SKILL.md tells the model to load "${toolName}"`);
+						offenders.push(`${file} tells the model to load "${toolName}"`);
 					}
 				}
 			}
@@ -120,12 +116,86 @@ describe('Instance AI runtime skills', () => {
 
 	it('routes recipe composition through the research skill', () => {
 		const postBuildFlow = readFileSync(
-			join(INSTANCE_AI_SKILLS_DIR, 'post-build-flow', 'SKILL.md'),
+			join(INSTANCE_AI_SKILLS_DIR, 'workflow-builder', 'references', 'post-build-flow.md'),
 			'utf-8',
 		);
 		expect(postBuildFlow).toMatch(/load the\s+`credential-recipe-research` skill/);
 	});
 
+	it('lists only top-level skills in the catalog', () => {
+		const source = loadInstanceAiRuntimeSkillSource();
+		const topLevel = source.registry.skills.filter((skill) => !skill.parents).map(({ id }) => id);
+
+		expect(topLevel.sort()).toEqual([
+			'data-table-manager',
+			'debugging-executions',
+			'instance-awareness',
+			'n8n-docs-assistant',
+			'planned-task-runtime',
+			'planning',
+			'progressive-building',
+			'suggest-automations',
+			'workflow-builder',
+		]);
+	});
+
+	it('loads every reference file as a reference skill with a description', () => {
+		const source = loadInstanceAiRuntimeSkillSource();
+		const referenceFiles = skillMarkdownFiles().filter((file) => file.includes('/references/'));
+
+		expect(referenceFiles.length).toBeGreaterThan(0);
+		for (const file of referenceFiles) {
+			const [owner, , name] = file.split('/');
+			const reference = source.registry.skills.find(
+				(skill) => skill.id === name.replace(/\.md$/, ''),
+			);
+			expect(reference, file).toMatchObject({
+				reference: { owner, path: `references/${name}` },
+				description: expect.stringMatching(/\S/),
+			});
+		}
+	});
+
+	it('nests the workflow sub-steps under workflow-builder', async () => {
+		const source = loadInstanceAiRuntimeSkillSource();
+		const workflowBuilderReferences = source.registry.skills
+			.filter((skill) => skill.parents?.includes('workflow-builder'))
+			.map(({ id }) => id)
+			.sort();
+
+		expect(workflowBuilderReferences).toEqual([
+			'compositional-workflows',
+			'config-eval-playbook',
+			'config-evals',
+			'credential-recipe-research',
+			'credential-setup-with-computer-use',
+			'error-workflows',
+			'model-selection',
+			'one-off-operations',
+			'post-build-flow',
+			'trigger-input-data-shapes',
+		]);
+
+		const loaded = skillLoadText(
+			await createSkillLoadTool(source).handler?.({ skillId: 'workflow-builder' }, {}),
+		);
+		expect(loaded).toContain('[References');
+		expect(loaded).toContain('- "post-build-flow": ');
+		expect(loaded).not.toContain('[Linked files');
+	});
+
+	it('shares the Computer Use credential setup reference with agent-builder', async () => {
+		const source = await loadRuntimeSkillSourceWithEnabledModules('instance-ai, agents');
+		const skill = source.registry.skills.find(
+			(entry) => entry.id === 'credential-setup-with-computer-use',
+		);
+
+		expect(skill?.parents).toEqual(['workflow-builder', 'agent-builder']);
+		expect(
+			skillLoadText(await createSkillLoadTool(source).handler?.({ skillId: 'agent-builder' }, {})),
+		).toContain('- "credential-setup-with-computer-use": ');
+	});
+
 	it('loads the bundled data-table-manager skill and its linked files', async () => {
 		expect(existsSync(INSTANCE_AI_SKILLS_DIR)).toBe(true);
 
@@ -152,25 +222,14 @@ describe('Instance AI runtime skills', () => {
 		expect(dataTableManager?.linkedFiles.scripts).toEqual([]);
 
 		const loadTool = createSkillLoadTool(source);
-		const loadResult = await loadTool.handler?.(
-			{ skillId: 'data-table-manager', filePath: 'references/data-table-playbook.md' },
-			{},
+		const playbook = skillLoadText(
+			await loadTool.handler?.(
+				{ skillId: 'data-table-manager', filePath: 'references/data-table-playbook.md' },
+				{},
+			),
 		);
-		expect(loadResult).toMatchObject({
-			success: true,
-			skillId: 'data-table-manager',
-			name: 'data-table-manager',
-			filePath: 'references/data-table-playbook.md',
-		});
-		if (
-			!loadResult ||
-			typeof loadResult !== 'object' ||
-			!('content' in loadResult) ||
-			typeof loadResult.content !== 'string'
-		) {
-			throw new Error('Expected load_skill to return file content');
-		}
-		expect(loadResult.content).toContain('Fast Routing');
+		expect(playbook).toContain('[Reference of: "data-table-manager"]');
+		expect(playbook).toContain('Fast Routing');
 
 		const loaded = await source.loadSkill('data-table-manager');
 		expect(loaded?.instructions).toContain('## Routing');
@@ -179,7 +238,7 @@ describe('Instance AI runtime skills', () => {
 		expect(loaded?.instructions).toContain('before `build-workflow`');
 	});
 
-	it('loads the bundled config-evals skill and its linked files', async () => {
+	it('loads the bundled config-evals reference and its playbook', async () => {
 		const source = loadInstanceAiRuntimeSkillSource();
 		const configEvals = source.registry.skills.find((skill) => skill.name === 'config-evals');
 
@@ -187,31 +246,19 @@ describe('Instance AI runtime skills', () => {
 			name: 'config-evals',
 			platforms: ['daytona'],
 			recommendedTools: ['eval-config', 'data-tables'],
+			parents: ['workflow-builder'],
 		});
-		expect(configEvals?.linkedFiles.references).toEqual([
-			expect.objectContaining({ path: 'references/config-eval-playbook.md' }),
-		]);
 
 		const loadTool = createSkillLoadTool(source);
-		const loadResult = await loadTool.handler?.(
-			{ skillId: 'config-evals', filePath: 'references/config-eval-playbook.md' },
-			{},
+		const configEvalsText = skillLoadText(
+			await loadTool.handler?.({ skillId: 'config-evals' }, {}),
 		);
-		expect(loadResult).toMatchObject({
-			success: true,
-			skillId: 'config-evals',
-			name: 'config-evals',
-			filePath: 'references/config-eval-playbook.md',
-		});
-		if (
-			!loadResult ||
-			typeof loadResult !== 'object' ||
-			!('content' in loadResult) ||
-			typeof loadResult.content !== 'string'
-		) {
-			throw new Error('Expected load_skill to return file content');
-		}
-		expect(loadResult.content).toContain('Config Eval Playbook');
+		expect(configEvalsText).toContain('`config-eval-playbook` reference');
+
+		const playbook = skillLoadText(
+			await loadTool.handler?.({ skillId: 'config-eval-playbook' }, {}),
+		);
+		expect(playbook).toContain('Config Eval Playbook');
 	});
 
 	it('gates the config-evals skill by its folder id', () => {
@@ -382,7 +429,7 @@ describe('Instance AI runtime skills', () => {
 		expect(loaded?.instructions).toContain('Do not call\n    `verify-built-workflow` directly');
 		expect(loaded?.instructions).toContain('workflows(action="get-as-code", workflowId)');
 		expect(loaded?.instructions).toContain('n8n has no global error workflow setting');
-		expect(loaded?.instructions).toContain('references/error-workflows.md');
+		expect(loaded?.instructions).toContain('the `error-workflows` reference');
 		expect(loaded?.instructions).toContain('settings.errorWorkflow');
 		expect(loaded?.instructions).toContain(
 			'knowledge-base/reference/workflow-builder-guardrails.md',
@@ -475,9 +522,7 @@ describe('Instance AI runtime skills', () => {
 		const skill = source.registry.skills.find((entry) => entry.name === 'post-build-flow');
 
 		expect(skill?.description).toContain('workflow-verification-follow-up');
-		expect(skill?.linkedFiles.references).toEqual([
-			expect.objectContaining({ path: 'references/trigger-input-data-shapes.md' }),
-		]);
+		expect(skill?.parents).toEqual(['workflow-builder']);
 
 		const loaded = await source.loadSkill('post-build-flow');
 		expect(loaded?.instructions).toContain('postBuildFlow.required: true');
@@ -529,20 +574,13 @@ describe('Instance AI runtime skills', () => {
 			'Do not offer publishing as an alternative or describe the workflow as ready to\nuse or publish',
 		);
 
+		expect(loaded?.instructions).toContain('`trigger-input-data-shapes`');
+
 		const loadTool = createSkillLoadTool(source);
-		const reference = await loadTool.handler?.(
-			{ skillId: 'post-build-flow', filePath: 'references/trigger-input-data-shapes.md' },
-			{},
+		const reference = skillLoadText(
+			await loadTool.handler?.({ skillId: 'trigger-input-data-shapes' }, {}),
 		);
-		if (
-			!reference ||
-			typeof reference !== 'object' ||
-			!('content' in reference) ||
-			typeof reference.content !== 'string'
-		) {
-			throw new Error('Expected trigger input reference content');
-		}
-		expect(reference.content).toContain('Do NOT wrap in `formFields`');
+		expect(reference).toContain('Do NOT wrap in `formFields`');
 	});
 
 	it('loads the bundled planned-task-runtime skill', async () => {
@@ -596,6 +634,24 @@ describe('Instance AI runtime skills', () => {
 	});
 });
 
+/** Skill and reference markdown files, relative to the skills directory. */
+function skillMarkdownFiles(): string[] {
+	return readdirSync(INSTANCE_AI_SKILLS_DIR, { withFileTypes: true })
+		.filter((entry) => entry.isDirectory())
+		.flatMap(({ name }) => {
+			const referencesDir = join(INSTANCE_AI_SKILLS_DIR, name, 'references');
+			const references = existsSync(referencesDir)
+				? readdirSync(referencesDir)
+						.filter((file) => file.endsWith('.md'))
+						.map((file) => `${name}/references/${file}`)
+				: [];
+			const skill = existsSync(join(INSTANCE_AI_SKILLS_DIR, name, 'SKILL.md'))
+				? [`${name}/SKILL.md`]
+				: [];
+			return [...skill, ...references];
+		});
+}
+
 function skillLoadText(output: unknown): string {
 	const record = output as { type?: string; value?: Array<{ type: string; text: string }> };
 	if (record?.type !== 'content' || !Array.isArray(record.value)) {
diff --git a/packages/@n8n/instance-ai/src/skills/__tests__/skill-gates.test.ts b/packages/@n8n/instance-ai/src/skills/__tests__/skill-gates.test.ts
index 528b8a0414d..0454c6449bc 100644
--- a/packages/@n8n/instance-ai/src/skills/__tests__/skill-gates.test.ts
+++ b/packages/@n8n/instance-ai/src/skills/__tests__/skill-gates.test.ts
@@ -1,4 +1,5 @@
 import {
+	CONFIG_EVAL_PLAYBOOK_SKILL_ID,
 	CONFIG_EVALS_SKILL_ID,
 	INSTANCE_AWARENESS_SKILL_ID,
 	disabledInstanceAiSkillIds,
@@ -19,6 +20,7 @@ describe('disabledInstanceAiSkillIds', () => {
 			instanceContextEnabled: true,
 		});
 		expect(disabled.includes(CONFIG_EVALS_SKILL_ID)).toBe(!enabled);
+		expect(disabled.includes(CONFIG_EVAL_PLAYBOOK_SKILL_ID)).toBe(!enabled);
 	});
 
 	it('hides the instance-awareness skill when the reader is off', () => {
diff --git a/packages/@n8n/instance-ai/src/skills/materialize-runtime-skills.ts b/packages/@n8n/instance-ai/src/skills/materialize-runtime-skills.ts
index fb10bdce8b2..8b8673f82fe 100644
--- a/packages/@n8n/instance-ai/src/skills/materialize-runtime-skills.ts
+++ b/packages/@n8n/instance-ai/src/skills/materialize-runtime-skills.ts
@@ -106,10 +106,41 @@ function toFrontmatterSection<T>(
 	return isNonEmptyRecord(output) ? output : undefined;
 }
 
+function referenceHost(
+	entry: RuntimeSkillRegistryEntry,
+	ownSkillsById: Map<string, MaterializedRuntimeSkill>,
+): MaterializedRuntimeSkill | undefined {
+	if (!entry.reference) return undefined;
+	const owner = ownSkillsById.get(entry.reference.owner);
+	if (owner) return owner;
+	for (const parentId of entry.parents ?? []) {
+		const parent = ownSkillsById.get(parentId);
+		if (parent) return parent;
+	}
+	return undefined;
+}
+
+/**
+ * Materialized locations keyed by skill id. A reference ships inside its
+ * host's directory, so it resolves to that file.
+ */
 function materializedSkillById(
 	materialized: MaterializedRuntimeSkill[],
+	registry: RuntimeSkillRegistry,
 ): Map<string, MaterializedRuntimeSkill> {
-	return new Map(materialized.map((skill) => [skill.id, skill]));
+	const ownSkillsById = new Map(materialized.map((skill) => [skill.id, skill]));
+	const byId = new Map(ownSkillsById);
+	for (const entry of registry.skills) {
+		const host = referenceHost(entry, ownSkillsById);
+		if (!entry.reference || !host) continue;
+		byId.set(entry.id, {
+			id: entry.id,
+			name: entry.name,
+			path: posixJoin(host.directory, entry.reference.path),
+			directory: host.directory,
+		});
+	}
+	return byId;
 }
 
 function safeSkillDirectory(entry: RuntimeSkillRegistryEntry): string {
@@ -138,7 +169,7 @@ function materializedSkillDirectory(skillsRoot: string, entry: RuntimeSkillRegis
 function safeLinkedFilePath(
 	directory: string,
 	entry: RuntimeSkillRegistryEntry,
-	linkedFile: RuntimeSkillLinkedFile,
+	linkedFile: Pick<RuntimeSkillLinkedFile, 'path'>,
 ): { relativePath: string; materializedPath: string } {
 	const raw = linkedFile.path;
 	if (
@@ -280,7 +311,7 @@ function materializedRegistry(
 	registry: RuntimeSkillRegistry,
 	materialized: MaterializedRuntimeSkill[],
 ): RuntimeSkillRegistry {
-	const materializedById = materializedSkillById(materialized);
+	const materializedById = materializedSkillById(materialized, registry);
 
 	return {
 		...registry,
@@ -307,7 +338,7 @@ function createMaterializedRuntimeSkillSource(
 	workspaceRoot: string,
 	skillsRoot: string,
 ): RuntimeSkillSource {
-	const materializedById = materializedSkillById(materialized);
+	const materializedById = materializedSkillById(materialized, registry);
 	const loadFile = source.loadFile;
 
 	return {
@@ -431,8 +462,9 @@ export async function buildRuntimeSkillWorkspaceBundle({
 
 	const files = new Map<string, string>();
 
+	const ownSkillEntries = source.registry.skills.filter((entry) => !entry.reference);
 	const materialized = await Promise.all(
-		source.registry.skills.map(async (entry): Promise<MaterializedRuntimeSkill> => {
+		ownSkillEntries.map(async (entry): Promise<MaterializedRuntimeSkill> => {
 			const skill = await source.loadSkill(entry.id);
 			if (!skill) {
 				throw new Error(`Runtime skill "${entry.name}" is registered but cannot be loaded`);
@@ -450,31 +482,45 @@ export async function buildRuntimeSkillWorkspaceBundle({
 			warnIfExceedsLoadSkillLimit(logger, entry, path, skillMarkdown);
 			files.set(path, skillMarkdown);
 
-			const linkedFiles = linkedFilesFor(entry);
-			if (linkedFiles.length > 0 && !source.loadFile) {
+			const linkedFiles = linkedFilesFor(entry).map((linkedFile) => {
+				const paths = safeLinkedFilePath(directory, entry, linkedFile);
+				const referenceEntry = source.registry.skills.find(
+					(candidate) =>
+						candidate.reference?.owner === entry.id &&
+						candidate.reference.path === paths.relativePath,
+				);
+				return { linkedFile, referenceEntry, ...paths };
+			});
+			if (linkedFiles.some(({ referenceEntry }) => !referenceEntry) && !source.loadFile) {
 				throw new Error(`Runtime skill "${entry.name}" has linked files but no file loader`);
 			}
 
 			await Promise.all(
-				linkedFiles.map(async (linkedFile) => {
-					const { relativePath, materializedPath } = safeLinkedFilePath(
-						directory,
-						entry,
-						linkedFile,
-					);
-					const content = await source.loadFile?.(entry.id, relativePath);
-					if (!content) {
+				linkedFiles.map(async ({ linkedFile, referenceEntry, relativePath, materializedPath }) => {
+					// Render references from skill content so prompt variants reach the file too.
+					const reference = referenceEntry ? await source.loadSkill(referenceEntry.id) : null;
+					const content = reference ? null : await source.loadFile?.(entry.id, relativePath);
+					if (!reference && !content) {
 						throw new Error(
 							`Runtime skill "${entry.name}" linked file is registered but cannot be loaded: ${linkedFile.path}`,
 						);
 					}
 
-					const materializedContent = substituteRuntimeSkillVars(
-						content.content,
-						directory,
-						workspaceRoot,
-						skillsRoot,
-					);
+					const materializedContent =
+						reference && referenceEntry
+							? renderRuntimeSkillMarkdown(
+									reference,
+									referenceEntry,
+									directory,
+									workspaceRoot,
+									skillsRoot,
+								)
+							: substituteRuntimeSkillVars(
+									content?.content ?? '',
+									directory,
+									workspaceRoot,
+									skillsRoot,
+								);
 					warnIfExceedsLoadSkillLimit(logger, entry, materializedPath, materializedContent);
 					files.set(materializedPath, materializedContent);
 				}),
@@ -484,6 +530,30 @@ export async function buildRuntimeSkillWorkspaceBundle({
 		}),
 	);
 
+	const ownSkillsById = new Map(materialized.map((skill) => [skill.id, skill]));
+	await Promise.all(
+		source.registry.skills.map(async (entry) => {
+			if (!entry.reference || ownSkillsById.has(entry.reference.owner)) return;
+			const host = referenceHost(entry, ownSkillsById);
+			if (!host) return;
+
+			const reference = await source.loadSkill(entry.id);
+			if (!reference) {
+				throw new Error(`Runtime skill "${entry.name}" is registered but cannot be loaded`);
+			}
+			const { materializedPath } = safeLinkedFilePath(host.directory, entry, entry.reference);
+			const content = renderRuntimeSkillMarkdown(
+				reference,
+				entry,
+				host.directory,
+				workspaceRoot,
+				skillsRoot,
+			);
+			warnIfExceedsLoadSkillLimit(logger, entry, materializedPath, content);
+			files.set(materializedPath, content);
+		}),
+	);
+
 	const registry = materializedRegistry(source.registry, materialized);
 	const registryPath = posixJoin(skillsRoot, SANDBOX_RUNTIME_SKILL_REGISTRY_FILE);
 	files.set(registryPath, stringifyWorkspaceJson(registry));
diff --git a/packages/@n8n/instance-ai/src/skills/skill-gates.ts b/packages/@n8n/instance-ai/src/skills/skill-gates.ts
index f7d35d1633b..cf70ca358c6 100644
--- a/packages/@n8n/instance-ai/src/skills/skill-gates.ts
+++ b/packages/@n8n/instance-ai/src/skills/skill-gates.ts
@@ -5,6 +5,12 @@
 /** Skill folder id gated by the `088_config_evaluations` flag. */
 export const CONFIG_EVALS_SKILL_ID = 'config-evals';
 
+/**
+ * The playbook is a `workflow-builder` reference next to `config-evals`, not
+ * inside it, so the same flag must hide it separately.
+ */
+export const CONFIG_EVAL_PLAYBOOK_SKILL_ID = 'config-eval-playbook';
+
 /**
  * Skill folder id gated by the instance-context reader. It is entirely about a block and a tool
  * that only exist when the reader is on, so listing it otherwise would advertise both.
@@ -20,7 +26,9 @@ export interface InstanceAiSkillFlags {
 /** Skill ids to hide from a user's catalog given their resolved flags. */
 export function disabledInstanceAiSkillIds(flags: InstanceAiSkillFlags): string[] {
 	const disabled: string[] = [];
-	if (!flags.configEvalsEnabled) disabled.push(CONFIG_EVALS_SKILL_ID);
+	if (!flags.configEvalsEnabled) {
+		disabled.push(CONFIG_EVALS_SKILL_ID, CONFIG_EVAL_PLAYBOOK_SKILL_ID);
+	}
 	if (!flags.instanceContextEnabled) disabled.push(INSTANCE_AWARENESS_SKILL_ID);
 	return disabled;
 }