In Scottish legends, and also some Ireland, Iceland and Germany claims, the kelpie is a dangerous aquatic horse creature. Protean, it appears to exhausted travellers under the shape of a beautiful wet-haired young woman or more commonly of a splendid wet-maned lost white, black or grey horse willing to be rode, while its true appearence according to some versions would be that of a man with the head and the lower body of a horse. But if you ride on its back, it will dive in the lake, drown you and devour you. You can make it docile by equipping it with a bridle (or a saddle), and it will become a magical-powerless horse strong like 10, but watch out ! If it loses its bridle, it runs way and casts a life curse, and all the work made with it vanishes ! And even with the bridle it can be very violent and even eat pieces of its owner. The kelpies are said to be oviparous, blacksmiths and to communicate through dancing.

Kelpies © Scottish legends (and also Irish, Icelandic and a bit German)
Drawing © me