<?xml version='1.0' encoding='utf-8'?>
<!-- Created by Charles Hoffman, CPA 2021-04-12 -->
<!-- Prototype UDFRF XBRL Arcroles -->
<!-- Disclosure Rule (dr) 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/dr-arcroles'
 targetNamespace='http://accounting.auditchain.finance/udfrf/dr-arcroles'
 elementFormDefault='qualified'
 attributeFormDefault='unqualified'>
  <annotation>
    <documentation>Provides arcroles for disclosure rules (dr) rules of SBRM.  Disclosure rules indicate when a disclosure must exist within a report.</documentation>
    <appinfo>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/report-reportsConcept' id='report-reportsConcept' cyclesAllowed='undirected'>
        <link:definition>Indicates that a report contains a specific reported fact which has a characteristic of a specific concept.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/report-possibleDisclosure' id='report-possibleDisclosure' cyclesAllowed='undirected'>
        <link:definition>Indicates that a report might possibly provide a specific disclosure.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/report-requiresDisclosure' id='report-requiresDisclosure' cyclesAllowed='undirected'>
        <link:definition>Indicates that a report is required to have a specific disclosure. This disclosure MUST always be present in the report.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/reportingLineItem-requiresDisclosure' id='reportingLineItem-requiresDisclosure' cyclesAllowed='undirected'>
        <link:definition>Indicates that if a specific line item is reported, then a report is required to have a specific disclosure. If the line item is present, the disclosure is required.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/disclosure-allowedAlternativeDisclosure' id='disclosure-allowedAlternativeDisclosure' cyclesAllowed='undirected'>
        <link:definition>Indicates that an alternative specified disclosure may be used in place of another specified disclosure.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/reportedDisclosure-requiresDisclosure' id='reportedDisclosure-requiresDisclosure' cyclesAllowed='undirected'>
        <link:definition>Indicates that if a specified disclosure exists, then another disclosure is also required to exist.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/reportedFact-requiresReportedFact' id='reportedFact-requiresReportedFact' cyclesAllowed='undirected'>
        <link:definition>Indicates that if a specified reported fact exist, then another reported fact is also required.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/dr-arcroles/arcrole/reportedFact-prohibitsReportedFact' id='reportedFact-prohibitsReportedFact' cyclesAllowed='undirected'>
        <link:definition>Indicates that if a specified reported fact exist, then another reported fact is MUST NOT exist.</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>
