N26

N26 is a German digital bank with 8M+ customers in 25 countries, offering mobile-first banking with premium subscriptions and a full European banking license.

Security Scan

This is a read-only, informational skill about the N26 bank with no installs, no credentials requested, and no instructions that access system data — it is internally consistent with its stated purpose.

Purpose & Capability

The skill's name and description claim to provide background/research material about N26. The package is instruction-only and contains only static content about the bank. There are no extra permissions, binaries, or credentials requested that would be unnecessary for a read-only informational skill. (Note: source/homepage not provided, but that affects provenance, not coherence.)

Instruction Scope

SKILL.md contains static text (timeline, business model, facts). It does not instruct the agent to run commands, read files, call external endpoints, or access environment variables. There is no scope creep in the runtime instructions.

Install Mechanism

No install spec and no code files are present — lowest-risk configuration. Nothing will be written to disk or installed by the agent when this skill is invoked.

Credentials

The skill requests no environment variables, credentials, or config paths. There are no secret-like fields declared, so requested access is proportionate to the informational purpose.

Persistence & Privilege

Flags show default behavior (not always), and model invocation is allowed (normal). The skill does not request persistent system presence or modify other skills or system settings.

Assessment

This skill is simple, read-only documentation about N26 and appears coherent with that purpose. It doesn't request credentials or install anything. If provenance matters to you, note that the skill's source/homepage are not provided and the owner ID is unfamiliar — if you need authoritative or up-to-date data about N26, prefer official sources (N26 website, filings, or reputable news outlets).

历史时间线

• 2013: Valentin Stalf and Maximilian Tayenthal found Number26 in Berlin
• 2015: Launches first mobile banking app in Germany
• 2016: Receives full German banking license from BaFin
• 2018: Launches in US market (later exits)
• 2019: Reaches 2M customers, valued at $3.5B
• 2021: BaFin imposes growth cap due to AML concerns
• 2022: Exits US market, focuses on European profitability
• 2023: Returns to growth, reaches 8M+ customers

商业模式

Mobile-only banking with premium subscription tiers (Free, Smart, You, Metal). Revenue from interchange fees, subscription fees, and lending products. Partners with third parties for insurance and investment products. Focus on design-first mobile experience targeting millennials and Gen Z.

护城河分析

Full European banking license (rare among neobanks). Brand recognition as 'the German neobank.' Design-first approach appeals to younger demographics. Pan-European presence across 25 countries with single app.

关键数据

• Founded: 2013, Berlin, Germany
• Customers: 8M+
• Countries: 25 European markets
• Valuation: ~$9B (2021 peak)
• Employees: ~4,500

有趣事实

• N26's co-founders met while working at McKinsey and literally sketched the first app concept on a napkin — a classic startup origin story.
• N26 was the first digital bank to receive a full European banking license, giving it a regulatory advantage over competitors operating on e-money licenses.