<?xml version='1.0' encoding='utf-8'?>
<!-- Created by Charles Hoffman, CPA 2021-04-12 -->
<!-- Prototype UDFRF XBRL Arcroles -->
<!-- Disclosure Mechanics Rule (dm) Arcroles -->
<schema
 xmlns='http://www.w3.org/2001/XMLSchema'
 xmlns:xbrli='http://www.xbrl.org/2003/instance'
 xmlns:link='http://www.xbrl.org/2003/linkbase'
 xmlns:xlink='http://www.w3.org/1999/xlink'
 xmlns:drules-arcroles='http://accounting.auditchain.finance/udfrf/dm-arcroles'
 targetNamespace='http://accounting.auditchain.finance/udfrf/dm-arcroles'
 elementFormDefault='qualified'
 attributeFormDefault='unqualified'>
  <annotation>
    <documentation>Provides arcroles for disclosure mechanics (dm) rules of UDFRF. Disclosure mechanics rules enforce the structural relationships within a specific disclosure.</documentation>
    <appinfo>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-requiresHypercube' id='disclosure-requiresHypercube' cyclesAllowed='undirected'>
        <link:definition>Type of full-hasPart relation.  Indicates that a disclosure (full) is required to have a specific concept (hasPart). This concept MUST always be present for the specified disclosure.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-requiresFactSet' id='disclosure-requiresFactSet' cyclesAllowed='undirected'>
        <link:definition>Indicates that a diclosure MUST contain a specified fact set</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-requiresConcept' id='disclosure-requiresConcept' cyclesAllowed='undirected'>
        <link:definition>Indicates that a disclosure is required to have a specific concept. This concept MUST always be present for the specified disclosure.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-requiresDimension' id='disclosure-requiresDimension' cyclesAllowed='undirected'>
        <link:definition>Indicates that the disclosure requires the specified Dimension to exist.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-requiresMember' id='disclosure-requiresMember' cyclesAllowed='undirected'>
        <link:definition>Indicates that the disclosure requires the specified Member to exist.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-hasConceptArrangementPattern' id='disclosure-hasConceptArrangementPattern' cyclesAllowed='undirected'>
        <link:definition>Indicates that a disclosure is organized using the particular specified concept arrangement pattern.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-hasMemberArrangementPattern' id='disclosure-hasMemberArrangementPattern' cyclesAllowed='undirected'>
        <link:definition>Indicates that a disclosure has an dimension whose members are arranged using a particular specified member arrangement pattern.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-relatedPolicy' id='disclosure-relatedPolicy' cyclesAllowed='undirected'>
        <link:definition>Indicates that a disclosure has a related Level 2 Policy Text Block.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-relatedLevel1NoteTextBlock' id='disclosure-relatedLevel1NoteTextBlock' cyclesAllowed='undirected'>
        <link:definition>Indicates that a disclosure has related Level 1 Note Text Block.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-equivalentTextblock' id='disclosure-equivalentTextblock' cyclesAllowed='undirected'>
        <link:definition>Indicates that the disclosure has a Level 3 Disclosure Text Block which can also be used to report the same information as the Level 4 Disclosure Detail.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-isSECType' id='disclosure-isSECType' cyclesAllowed='undirected'>
        <link:definition>Indicates that a disclosure is a specific SEC type (Document, Statement, Disclosure, Schedule) per the EFM.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>

      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-mostlyContainsConcept' id='disclosure-mostlyContainsConcept' cyclesAllowed='undirected'>
        <link:definition>Evoking strength. A disclosure mostly contains this specific concept.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-rarelyContainsConcept' id='disclosure-rarelyContainsConcept' cyclesAllowed='undirected'>
        <link:definition>Evoking strength. A disclosure rarely contains this specific concept.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-practicallyAlwaysContainsConcept' id='disclosure-practicallyAlwaysContainsConcept' cyclesAllowed='undirected'>
        <link:definition>Evoking strength. A disclosure practically always contains this specific concept.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-neverContainsConcept' id='disclosure-neverContainsConcept' cyclesAllowed='undirected'>
        <link:definition>Evoking strength. A disclosure never contains this specific concept.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/disclosure-oftenContainsConcept' id='disclosure-oftenContainsConcept' cyclesAllowed='undirected'>
        <link:definition>Evoking strength. A disclosure often contains this specific concept.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>


      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/conceptArrangementPattern-requiresConcept' id='conceptArrangementPattern-requiresConcept' cyclesAllowed='undirected'>
        <link:definition>Indicates that a concept arrangment pattern requires a specific concept that will be (a) the total of a roll up, or (b) instant of a roll forward, or (c) total of an adjustment.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/dimension-allowedAlternativeDimension' id='dimension-allowedAlternativeDimension' cyclesAllowed='undirected'>
        <link:definition>Indicates that an alternative dimension to be used in place of another dimension.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dm-arcroles/arcrole/concept-allowedAlternativeConcept' id='concept-allowedAlternativeConcept' cyclesAllowed='undirected'>
        <link:definition>Indicates that an alternative concept may be used in place of another concept.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>

    </appinfo>
  </annotation>
  <import namespace='http://www.xbrl.org/2003/instance' schemaLocation='http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd' />
</schema>
